How does a family qualify for a Habitat home?
To achieve home ownership with Habitat, families must meet the following qualifications: 1. Need for adequate housing. This could mean that your housing is dilapidated or unsafe for you and your family. Or, it could also mean that the rent is beyond your means or that the housing is too small or otherwise unsuited for your family. There are many ways in which housing can be inadequate. 2. Inability to get a mortgage from a bank. This means that your income must be too low for you to save for a down payment and make the monthly payments for a bank mortgage. 3. Ability to pay for the home. The house is not free, but since Habitat homeowners do not pay interest, the payments become affordable to the family, including tax and insurance. It is very important that a Habitat homeowner is able to make the payment each month. When the house is complete, the homeowner must pay a nominal fee for the costs of preparing the mortgage and getting the insurance. 4. Willingness to partner. Building a h
