No matter who we are or where we come from, we all deserve to have a decent life. Ownership of a decent, affordable home strengthens, stabilizes, and supports us as we pursue opportunities to build a bright future. That is why at Habitat we bring together people from all walks of life to construct decent homes and secure affordable financing. With our help, Habitat homeowners achieve the strength, stability, and independence they need to build a decent life for themselves and their families.
As active participants in building a better future for themselves and their families,
Habitat homeowners are...
1. Able to pay an affordable mortgage.
Habitat Homeowners purchase their home. We secure affordable financing and create a payment plan that ensures homeowners do not spend more than 30% of their monthly income on housing costs.
2. In need of better housing.
Applicants accepted into the Homeownership Program struggle with housing that is inadequate. Inadequate housing is often one or more of the following: unsafe, unaffordable, unhealthy, or inaccessible.
3. Willing to partner with us.
Each adult completes 250 hours of sweat equity in lieu of a traditional down payment.
More About Sweat Equity
There is a commonly held misconception that we build houses for families, when in fact we build homes with families. Because each adult contributes 250 hours of time, accepted applicants are with us every step of the way, standing walls, putting up sheathing, installing siding, and shooting-in trim. Constructing their home helps members of our Homeownership Program connect to the community, learn new skills, and gain valuable knowledge about homeownership and maintenance. Members of the Homeownership Program contribute their time by: