FAQ’s

Who qualifies for a home?
The three criteria to qualify for a Habitat home are:

(1) need for affordable housing
(2) ability to repay a Habitat mortgage
(3) willingness to partner with Habitat.

Need for affordable housing is defined by a family income that is below the government-set Low Income Cut-Off (poverty line) for their particular region, and existing living conditions that are inadequate in terms of structure, cost, safety or size. The ratio of shelter expense to total income is also factored.

Ability to repay a Habitat mortgage requires that the family has a stable income sufficient to cover the monthly mortgage payments and other expenses that come with home ownership.

Homeowners must demonstrate a willingness to partner with Habitat by contributing 500 hours of volunteer labor ("sweat equity") towards the building of their home.

What do families contribute and what do they receive in return?
In addition to mortgage payments, each homeowner invests hundreds of hours of their time to assist in the building of their home. In return, Habitat homeowners are given the unique opportunity to buy a home through an interest-free mortgage. Thus, gaining substantial equity they would not have if renting. They also acquire a safe, affordable place to live and the pride of ownership.

Do I need to have children?
Yes. Habitat only works with families who have children.

I am a single parent. Can I apply?
Yes. Habitat works with both single-parent and two-parent families.

I think I qualify. What do I do now?
If you think you qualify based on all three criteria, contact the Habitat office by phone. We will tell you about the next available information session. After attending an information session you may choose to apply to become a Partner Family.