Envision some of your most joyful memories at home. Is it waking up to the smell of freshly baked cinnamon rolls? Is it hosting friends and family for a delicious meal and lively conversation? Watching your favorite movie with a loved one? Or curled up on the couch with a good book?

Homes are safe havens and sources of happiness. This year, Community Lenders financed seven projects – all giving families or seniors the opportunity for affordable housing. This year’s annual report theme is “Creating the Joy that Lies Within” because each home and each community is the foundation of joy for its residents.