Habitat offers a hand up, not a hand out.
- A Day and Time to Remember
- Jane Ann Wells interview
Having a Habitat home has meant the world for me and my family, The experience of building and making our home our own is one I will never forget.
-- Kim W.
Owning a home helps a family break the cycle of poverty and builds long-term security and financial independence.
Habitat homes are built with volunteer labor, which makes them more affordable, and are sold to qualified buyers at no profit to Habitat.
To qualfiy to partner with Habitat to build a home, a family must meet 3 criteria:
Need for housing. Is your current housing run down? Overcrowded? Is the rent too high?
Ability to pay a monthly mortgage. You must have steady income and good credit to qualify for a USDA-RD 502 low-interest subsidized loan. Your family income must also be less than 80% of the Area Median Income.
Willingness to partner with Habitat. Your family and Habitat will become a team. You must be willing to help build your home, attend hombuyer education classes and provide necessary information when needed.
Credit problems? Habitat offers counseling and classes to help you get your finances under control.
Mortgage payments for a Habitat home are often less than rent!
To apply, fill out a prequal application. Return it to the Habitat office.
A new Habitat home features:
quality new construction, approximately 1,100 square feet.
two, three, four bedrooms, two baths.
maintenance-free vinyl siding.
insulated windows with screens.
Energy-Star certified appliances.
phone jacks and cable hookups.
ceiling fans and air conditioning.
Habitat selects the lot, provides the floorplan, and coordinates the construction of each home.
Building hope, homes, and dignity.