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Habitat for humanity is not a handout, but a hand up

How Habitat works: volunteers from many walks of life make gifts to Habitat to provide the initial capital. Homes are then built or refurbished for people who do not qualify for conventional bank loans. Most labor is done by volunteers and by the families themselves. Businesses contribute time and materials. When the home is completed, the family makes a small down payment and gets a mortgage just like all homeowners. This loan covers the actual cost of the home, but without added interest charges. Their monthly home payments go into a revolving fund to help build homes for other families. In addition to the mortgage, which includes insurance and taxes, each homeowner is responsible for the utilities, maintenance, and other standard expenses.

The Habitat covenant: All work done by a local Habitat project should demonstrate the love of God in Jesus Christ to meet the housing needs of God’s people. The local Habitat committee will be ecumenical, with representatives from interested churches and other members in the community.

Homes should be built with no project profit or interest.

All Habitat projects will abide by an objective, non-discriminatory selection process in choosing the family.

Homes will be simple, decent dwellings, built within the ability of the family to repay.
There shall be a revolving “fund for Humanity” which is the resource base for each program. Mortgage payments always go back into the fund and are thus recalculated to build more homes.

Each Habitat project shall have its books audited annually. The books will be open and available to review.

These are qualifications for home ownership though the Idaho Panhandle Habitat for Humanity program. This program is based on Christian principles. No government funding is involved.

Qualifications: Based on greatest need, stable job, willing to deal with publicity associated with a habitat home, enough income to support a small mortgage payment but not enough to qualify for conventional lending, willingness to put in 500 hours of sweat equity on your home and other habitat homes

Habitat families: One wonderful aspect of Habitat for Humanity is that it builds more then houses – It builds homes, lives and Christian community.

Habitat For Humanity Main Web Site