Habitat homeowners qualify based on a set of equal opportunity criteria, which include:

• A compelling need for better housing conditions

• A steady income and ability to pay a monthly mortgage

• A willingness to invest their time (sweat equity) in the building of their own homes, as well as other Habitat houses

Habitat homeowners are carefully selected through an extensive screening process involving recommendations from employers, landlords and creditors, interviews by a family selection committee, a formal credit check, financial counseling, and a demonstrated ability to maintain financial stability.

Habitat homes are purchased by low-income families using an HfHCC no-interest mortgage of 20 years for the full purchase price of the home.

Habitat brings volunteers and future homeowners together in a positive and productive fashion, putting a face and a name on the issue of affordable housing.