How Does it Work?

Families apply to get homes through our program, and must work through the application process with our Family Selection Committee (see the Homeownership Program section for specific application requirements).  Once approved by the Board of Directors and accepted into the program, families will take classes and begin working their sweat equity hours at the ReStore, in the office, on the construction sites, and doing other Habitat activities.

Homes are sold to the participating families at cost, meaning they only pay for the cost of materials and get a 0% fixed-rate mortgage. Volunteers and donors help make the rest of the process possible by giving their time and money to cover land, equipment, building materials, subcontractors, utitilty connections, and the actual construction of the home. Mortgage payments that the homeowners make are put into a revolving fund to help build future houses thru the Habitat program.