Homeowners are families who are living in inadequate shelter, are able to make payments, but NOT able to afford decent housing by any other method. They are willing to partner (which means to volunteer labor on their own, and other families houses, and willing to pay back the cost of the house.) Partner families invest at least 500 hours of sweat equity into building their own house and those of other eligible families.

Read a story about Carlos, a new homeowner.

Are You Eligible for a Habitat House?

• Is your family in NEED of decent safe shelter?
• Do you have a steady income and ABLE TO PAY back the no-profit, no interest mortgage?
• Are you WILLING TO PARTNER with our affiliate by dedicating sweat equity hours toward the program and your house?

If you answered YES to ALL of the above questions, then see the Worksheet Table below for the annual income guidelines.

2010 Guidlelines Chart

* Income data subject to change annually. HFHCC partners with the Citrus County Board of County Commissioners for funding by the state of Florida SHIP program for all of our homes. Also required are:

• Deposit - $2,000 which can be paid out on a plan.
• Attendance in a 10 hour home training course conducted by HFHCC.
• HUD Guidelines require eligibility for SHIP funding and attendance in First Time Homebuyers classes delivered by Citrus County.
• 500 Sweat Equity Hours.

Orientations are offered on an as need basis, at which time we accept applications from local families. We currently have many families waiting for our next orientation. Our Family Selection committee reviews the applications and makes recommendations to the Board of Directors. Our Board then chooses families based on need, their willingness to become partners in the program, and their ability to pay back the no interest, no profit mortgage.