Home Ownership Overview

Through volunteer labor, professional contractors and donations of money and materials, Habitat builds and rehabilitates simple, decent houses with the help of the future Habitat homeowners.  Habitat houses are sold at no profit and financed with affordable, no interest loans. The homeowners’ monthly mortgage payments are used to build more Habitat homes.

Habitat is not a giveaway program. In addition to an escrow down payment and the monthly mortgage payments, future homeowners invest 300 hours of their own labor -“sweat equity”- into building their Habitat house and the houses of others.

We consider all applicants without regard to race, color, religion, sex, national origin, age, mental or physical disabilities, veteran/reserve/national guard or any other similarly protected status. Accommodations will be provided for procedural understanding for applicants with special needs.

When an applicant is approved for a home they become a “Habitat homeowner”. They work alongside the volunteers and partner with them in the building of their home.

Future Habitat homeowners also partner with Habitat by participating in the Mentor Program. They are assigned a Mentor to help guide them through the process of becoming a homeowner. Future Habitat homeowners also attend homeowner education classes to prepare them for the responsibility of maintaining their home and finances.

Due to the nature of Habitat’s program criteria, we cannot help families in emergency situations. Persons needing immediate housing assistance or other services need to contact 211.

211 is a community helping and crisis hotline that provides suicide preventions, crisis intervention, information, assessment, and referral to community services for people of all ages.

Individuals and families living in Martin County, Indian River County, Okeechobee County, St. Lucie County, and Palm Beach County can call 2-1-1 or  1(866) 882-2991 or561-383-1112 or to speak with a highly trained resource specialist.  Calls to 211 HelpLine are Free, confidential, and 24/7!

You can also visit their web page http://www.211palmbeach.org/

Habitat for Humanity is pledged to the letter and spirit of the 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 becoming a homeowner due to race, religion, sex, handicap, familial status or national origin.