How do you qualify to own a home with Habitat for Humanity?
Habitat for Humanity partners with low to moderate income families and individuals who need decent, affordable housing. There are three areas of qualification, but Habitat homes are not free gifts. In the end, Habitat homes are purchased with an affordable 0% interest mortgage.
You must have a need for housing.
You must have a steady income.
Habitat homes are not free gifts—they are sold with a 0% interest mortgage. That’s why each family must demonstrate a steady income.*
Please note: Specific income guidelines will be discussed once a family has submitted an application. Habitat does not discourage anyone from applying for our homeownership program. However, please note that in addition to meeting Habitat’s monthly income and debt requirements, an applicant must not have filed bankruptcy or had property foreclosed on within the past two years. All court fees, fines, time served, community service, etc. must be fully satisfied and any civil judgment or tax lien paid in full and satisfied prior to being accepted into the homeownership program. Income being used to qualify for a home loan cannot be from a temporary source such as unemployment benefits or employment through a temp agency.
Take a journey toward homeownership.
The path to homeownership is not easy at Habitat for Humanity East Central Ohio, but it's well worth the investment. When families partner with us to build and purchase their homes, they commit to a process that takes time, but ultimately reshapes their entire lives. Here's what that process looks like.
1. Meet Eligibility Requirements and Apply
2. Accepted to Homeownership Program
3. Complete Sweat Equity Requirements
4. Build Your Family's Future Home
5. Purchase Your Home with 0% Interest
6. Pay Off Your Home Over Time
We are pledged to the letter and spirit of U.S. policy for the achievement of equal housing opportunity throughout the nation. We encourage and support an affirmative advertising and marketing program in which there are no barriers to obtaining housing because of race, color, religion, sex, handicap, familial status, or national origin.
At Habitat, owning a home offers a strong foundation for building a better future.
We partner with hard-working, low to moderate income families, helping them build and purchase their own homes. After each home has been built or renovated, it is sold with an affordable 0% interest mortgage and an affordable monthly payment. As Habitat homeowners make their mortgage payments, they are helping future Habitat partner families build their homes—and the cycle continues. This is the beauty of how Habitat works.
At Habitat for Humanity East Central Ohio, we believe everyone deserves a decent place to call home. An affordable home quickly becomes a launching point for families as they have more resources to put toward better food, further education, and healthcare.
A home offers stability.
Substandard housing is a constant strain, mentally and physically. A safe, healthy home will offer comfort and protection, allowing families to focus on the future.
Habitat homes are affordable.
Paying too much for housing traps families in a tough cycle. We work with Habitat families to ensure they can afford their 0% interest mortgage payments.
A home is a legacy.
A home is an investment that can offer benefits for generations—a Habitat home is just the same. Habitat families are building an asset and a legacy.
Partnering with Habitat for Humanity is a hand up, not a hand out.
Habitat for Humanity homes are not given away. When a family or individual partners with Habitat, they invest sweat equity by building or renovating their home and the homes of others. Each family also participates in educational courses covering home maintenance, personal development, financial literacy, and much more. In short, the path to homeownership isn’t easy, but owning your own decent, affordable home is very much worth the investment.
When families partner with Habitat to own a home, they are equipped to become successful homeowners. Through sweat equity, they’ll make an investment in themselves and their futures, developing the strength and self-reliance they’ll need to thrive. Sweat equity is a key part of the Habitat for Humanity program.
Families build on worksites.
Every family who partners with Habitat will help build their home and the homes of other families in the program.
Families learn skills they need.
Families complete education courses that cover financial literacy, hands-on home maintenance training, and much more.
Have a question about homeownership? Let us help.
At Habitat for Humanity East Central Ohio, we believe in a world where everyone has a decent place to live.
Seeking to put God's love into action, Habitat for Humanity brings people together to build homes, communities, and hope.
NON-PROSELYTIZING POLICY Habitat for Humanity East Central Ohio is unapologetically Christian, radically inclusive. While we are a faith-based nonprofit, we will not offer assistance on the expressed or implied condition that people must adhere to or convert to a particular faith. Questions? Send us a message.
© 2021 Habitat for Humanity East Central Ohio. Located in Canton, Ohio. Serving Stark, Carroll, Tuscarawas, Harrison, and Jefferson counties in East Central Ohio. Habitat for Humanity is a tax-exempt 501(C)(3) nonprofit organization: EIN 34-1595372. Your gift is tax-deductible as allowed. Mailing address: 1400 Raff Road SW, Ste A, Canton, Ohio 44710.