Apply to be a Homeowner

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

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