Affordable Housing Finance
SPECIAL FOCUS
Affordable Housing Hall of Fame
The Visionary
Terner Relentless in Pursuit of Housing
AFFORDABLE HOUSING FINANCE
• October 2009
BY RICK HOLLIDAY
 I. Donald Terner
Don Terner changed my life. I
first met Don as a burnt-out,
lost graduate student at University of
California Berkeley in 1976. In the
20-plus years I knew Don, I witnessed
firsthand his remarkable ability to
inspire and lead his colleagues and
friends in his relentless pursuit to
build affordable housing. Don approached
the never ending affordable
housing production shortfall with a
laser focus and unbridled enthusiasm.
This attitude/method became
his mantra, “Whatever It Takes.”
Don was innovative and passionate.
In 1973, he founded the
radical nonprofit U-HAB (The Urban
Housing Assistance Board).
This was the first organization to
seriously support low-income persons
who sought affordable shelter
in New York’s abandoned
buildings. Don’s vision
led to the establishment
of processes for
low-income families to
organize and take control
of these buildings. U-HAB
also helped arrange loans
for building materials
and provided technical
assistance to people that
wanted to earn “sweat
equity” by providing the
labor to renovate their spaces. To
date, U-HAB has assisted more than
25,000 families in New York and is
led by one of Don’s former students,
Andy Reicher.
Don went on to lead the
California Department of Housing
and Community Development under
Jerry Brown. Under Don’s leadership,
the department was able to
get more than 100 housing-related
bills introduced ... more than half of
which passed during his tenure in
office (1978-1982).
On Jan. 3, 1983, I had the honor
to join Don as his business partner
with a stated goal to create a “new”
regional nonprofit housing developer
that could lead the way in developing
large quantities of high-quality affordable
homes for working families that
were priced out of the San Francisco
Bay Area market. The mission we
laid out was audacious and bold.
BRIDGE would build thousands of
homes in partnership with public
and private parties. BRIDGE is more
than 25 years old now, and we lost
Don in our 13th year. Under Carol
Galante’s (another former student)
leadership, BRIDGE went into
another gear as an industry leader.
With Carol’s recent departure to
serve the Obama administration and
the unprecedented market upheaval,
BRIDGE is at another important
crossroad, and Don is watching. All
of us that knew and loved Don are
prepared to do “Whatever It Takes”
to continue his dream of affordable
housing for all of our citizens.
Rick Holliday is chairman of
BRIDGE Housing Corp. and president
of Holliday Development.
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