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Habitat for Humanity Homeownership Program
Key information you need to know about our organization
Our Method
Volunteers provide most of the labor, and individual and corporate donors provide money and materials to build Habitat houses. Partner families themselves invest hundreds of hours of labor – “sweat equity” – into building their homes and the homes of others. Their mortgage payments go into a revolving Fund for Humanity that is used to build more houses. Warren County Habitat for Humanity locates and trains a Sponsor/Advocate/Friend (SAF) for each Partner family. This individual or couple works with each Partner throughout the process of planning, building and settling into their new home. Habitat’s philosophy is to work WITH not FOR our Partners.
How does it work?
- Through volunteer labor and donations of money and materials,
Habitat builds and rehabilitates simple, decent houses alongside our
homeowner (partner) families. - Habitat is not a give-away program. In addition to a down
payment and monthly mortgage payments, homeowners invest hundreds of
hours of their own labor (sweat equity) into building their Habitat
house and the homes of others. - Habitat homes are sold to partner families at no profit and financed with zero interest loans.
- The homeowner’s monthly mortgage payments are used to build more Habitat houses.
How are partner families selected?
- Families in need of decent shelter apply to local Habitat affiliates.
- The affiliate’s family selection committee chooses homeowners based
on their level of need, their willingness to become a partner and their
ability to repay the loan. - Every affiliate follows a non-discriminatory policy of family selection.
- Neither race nor religion is a factor in choosing the families who receive a Habitat Home.
What are Habitat affiliates?
- Community-level Habitat for Humanity offices that act in partnership
with and on-behalf of Habitat for Humanity International. Each
affiliate is an independently run, non-profit organization. - Each affiliate coordinated all aspects of Habitat home building in
its local area – fund-raising, building site selection, partner family
selection and support, house construction, and mortgage servicing.
Want to Know More?
Feel free to contact us any time