What We Do
Founded in 1976 by Millard and Linda Fuller, Habitat
for Humanity International is a non-profit, ecumenical, Christian housing
ministry with headquarters in Americus, Georgia.
HOW FAMILIES ARE CHOSEN
Habitat for Humanity selects families who currently
live in substandard or overcrowded housing, who have the ability to
repay an interest-free mortgage, and who are willing to partner with
Habitat in building homes, including their own. In order to qualify,
a familys income must fall between 25 and 50 percent of area median
income; for a family of four living in Louisa, a family would need to
earn between $1,092 and $2,184 per month. These families would have
very little chance to own a home without the helping hand of Habitat.
THE FAMILY SELECTION PROCESS
1) Individuals are asked to complete a detailed application and supply supporting documentation.
2) Volunteers verify personal, employer and landlord references and review credit report and income documentation. If family qualifies,
3) Two volunteers conduct financial interview. The family is given the opportunity to explain blemishes on credit report or irregularities in employment history. Volunteers explain sweat equity and down payment requirements in more detail. If family expresses willingness to partner, their income is stable, and any credit issues are such that they can be cleared up by the time their home is completed,
4) Volunteers conduct a home visit to determine the familys need based on their current housing situation.
5) Volunteers present families cases to the Family Selection committee for vote. If the family is selected,
6) Family Nurture committee assigns an advocate to work with the partner family. The advocate serves as the familys liaison with Habitat.
7) Once approved, partner family begins to save down payment ($1,250.00) and to put in sweat equity hours by working on other peoples homes or by performing other community service. Sweat equity requirement is 200 hours for a single-parent family, 300 for a two-parent family.
8) Family works with Louisa County housing counselor to prepare for home ownership: to clean up credit, to learn budgeting, and to learn the basics of home maintenance.
9) When partner has saved $600.00 towards down payment and performed 100 hours of sweat equity (or 50 hours for single-parent household), construction may begin on their home. The remainder of their sweat equity is put in on their house.
10) Home is completed! Partner repays an interest-free mortgage to Habitat. Habitat holds a first mortgage for the actual cost to construct the home and a forgivable second mortgage for the difference between the cost to build and the appraised value of the house (value of the volunteer labor). A portion of the second mortgage is forgiven every year the family lives in the house. The familys mortgage payments go into the Fund for Humanity to help build more houses.
TO APPLY TO BECOME A HABITAT PARTNER FAMILY
If you are interested in partnering with Louisa County
Habitat for Humanity to build your own home, you may call 540-967-0486
and your name will be put on the list of families to be notified of
the next informational meeting. Or you may e-mail us at firstname.lastname@example.org.