Habitat offers homeownership to hardworking families who may otherwise be unable to purchase a home of their own. Habitat homeowners purchase their home directly from Habitat through a zero-interest, 20-year loan.

A typical mortgage payment, including taxes and homeowner's insurance, is only $450. Habitat homeowners build equity through owning their own home. All Habitat homeowners are required to invest 325 hours of sweat equity during the construction of their home and the homes of other Habitat families. In this way, neighbors meet neighbors long before they move in and develop firm and cooperative friendships. These trusted relationships are beneficial as families come together to make decisions that strengthen their communities through their homeowner associations. Homeowners' monthly mortgage payments are used to build more Habitat homes!
Families interested in homeownership must attend a Habitat Homeownership Orientation, and applications are only distributed at these orientation sessions. To be notified about our next orientation, sign up here.