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One hour and 18 minutes, to be exact. That was how long Roselo Escinares had been waiting for the start of the title awarding ceremony at the Kapisanan sa Landas ng Paninirahan Inc. (KALAP) Multipurpose Hall in Caloocan City on September 21. The waiting game, however, was nothing compared to almost 30 years that he endured to religiously pay his monthly due for the piece of land he long wanted to call his own under the Community Mortgage Program (CMP).

The 58-year-old member-beneficiary, who also serves as the association’s vice president, started paying his monthly amortization in 1990 when the property in Barangay Zabarte was taken out. “Sa wakas ay nagbunga na rin ang matagal kong paghihintay,” said the 58 year-old the moment he got hold of his transfer certificate of title (TCT). “Masaya ako sapagkat masasabi ko na talagang sa akin na ang lupang kinatatayuan ng bahay ko.” 

For Mr. Escinares, the TCT will be his lasting legacy for his family.
Sporting a crisp white short-sleeved shirt and a pair of dark blue jeans, Escinares said the TCT will be his legacy and a gift for his children. The Sorsogon native could not thank SHFC enough for making his previous seemingly impossible dream come true. “Maraming salamat po at mabuhay ang Social Housing,” he said. “Nawa ay marami pa kayong matulungan at mapaglingkuran.”

The old saying “home is where the heart is” could never ring any truer than now for Lilibeth Gutierrez. For several decades, the 56-year-old Overseas Filipino Worker endured being away from home to support her family in Bulacan. Now that she finally received her TCT, she is not going away anymore.

Gutierrez considers the land title as her plum achievement. “Natutuwa ako na nakikita ko na ang pinagpaguran ko. Masaya ako kasi nasa akin na ang titulo.” She expressed her gratitude to SHFC for guiding not only her but the entire association throughout the whole CMP process.
Patience and faith finally paid off for best buddies Ildefonso Caberto and Eugenio De Gana after nearly two decades of working hard to settle their respective loan obligations.

It was like walking on cloud nine. These were the words uttered by De Gana when asked how it felt to finally receive his own TCT. “Parang nasa alapaap syempre,” the 54-year-old father of four said. “Nagbunga na rin sa wakas ang pagtitiyaga namin.”

Caberto, who owns a small bakery in the neighborhood, could not agree more with De Gana. Although he admitted that he initially had doubts about the program, he was thankful that everything went well in the end. “Ngayon na natanggap ko na ang titulo ay masasabi ko na totoo ang programang ito ng gobyerno,” he said. “Hinihikayat ko nga ang mga kapatid ko na ituloy lang nila ang pagbabayad (sa SHFC) para mapasakanila din ‘yung lote balang araw.” 

Both Caberto and De Gana were grateful to the SHFC staff members for their efforts in making their dreams come true. “Nakakataba ng puso kasi kayo pa mismo ang pumunta dito para sa awarding,” Caberto said. De Gana interjected and went on to say: “Binigyan ninyo kami ng importansya. Sa halip na kami pa ang pupunta, ginawa ninyong mas convenient para sa amin.”
Nanay Lucila is thankful to SHFC for making her dream of owning a title come true.
Escinares, Zabarte, Caberto, and De Gana are just four of the 24 member-beneficiaries from KALAP who received their respective TCTs in an awarding ceremony led by NCR Central OIC-Manager Charito C. Lontayao and NCR Central Chief of Division Elvira B. Adoptante.
CMP, SHFC’s flagship program, has helped more than 300,000 families through over Php14 billion in loan assistance since 1988.
SHFC is the lead agency assisting underprivileged communities to secure land tenure through shelter financing and development solutions by Building Adequate Livable Affordable and Inclusive (BALAI) Filipino communities. For more info, call (+632) 750-6337 or visit
All smiles as KALAP member-beneficiaries proudly show their TCTs during the ceremony on September 21.
Mr. Caberto (right) and Mr. De Gana (left) are both ecstatic to finally get their respective title.