Habitat for Humanity believes that every man, woman and child should have a decent, safe and affordable place to live. We build and repair houses uppusing volunteer labor and donations. Our partner families purchase these houses through no-profit, no-interest mortgage loans or innovative financing methods. As a nonprofit, ecumenical Christian ministry that builds with people in need regardless of race or religion, we welcome volunteers and supporters from all backgrounds.
Habitat homes provide simple, decent housing. Homes are typically 1,000 square feet, slab construction with three bedrooms and one bath. The current cost to construct a Habitat home is about $92,000. Some of the building costs are provided through in-kind or donated material from local contractors, businesses, community stakeholders and individuals. As a result, Habitat can sell these homes to a low-income household with an interest free mortgage. The mortgage is paid directly to our local affiliate in monthly installments creating what is known as the “revolving loan fund.” The fund helps provide resources to build more homes and more hope in Lorain County.
When homes are sold, they are sold at cost. If appraised for more than cost, a forgivable second mortgage is placed on the home and released over the course of the mortgage term. Depending on household income, mortgage terms may be as long as 30 years.
Habitat’s Neighborhood Revitalization Program ensures that homeowners live in safe, well maintained homes. The program is designed to revitalize the appearance of the neighborhood, encourage connections within the community, and most importantly, help preserve affordable housing stock. Both the Critical Repairs Programs and A Brush With Kindness Program are part of Neighborhood Revitalization.
Critical Repairs Program
The Critical Repairs Program helps low-income homeowners who need help makingmajor exterior repairs to their homes. Examples of typical repair projects include roof repair or replacement, installation of handicap ramps, and siding.
Habitat provides a zero interest home improvement loan to cover material costs, permit fees, and insurance. If the project is complex and a professional contractor is hired, then the contractors fees would apply too.
Able-bodied homeowners are encouraged to work alongside the volunteers in a cooperative effort. Homeowners are required to provide 25 hours of sweat equity after application approval and before the project begins.
Critical Repairs Program Qualifications
A Brush With Kindness Program
Habitat for Humanity’s A Brush with Kindness Program serves low-income homeowners with minor exterior repairs to their homes. Examples of common repair projects include painting, landscaping, windows and doors.
A Brush with Kindness Program is completed at minimal costs to homeowners who are unable to complete home repairs on their own. Habitat provides a zero interest home improvement loan to cover material costs, permit fees, and insurance. Able-bodied homeowners are encouraged to work alongside the volunteers in a cooperative effort. Homeowners are required to provide 25 hours of sweat equity after application approval and before the project begins.
Brush With Kindness Qualifications