How to Apply for a Home

Habitat builds relationships with Partner/Owners first, and then builds simple, decent, affordable homes for and with them. In many ways the relationships are more important than the homes.

Qualifications:

Habitat Partner/Owners must have an income and a credit standing such that will allow them to make their mortgage payments. Habitat homes require no down-payment, and no interest is charged over the life of the mortgage (approximately 20 years). Before moving into their new home, Partner/Owners must complete 350 hours of sweat equity work on their home, on other Habitat projects and by attending our meetings. Sweat equity hours can be earned by the Partner/Owner, family members, fellow church members and by friends. Applicants must have an minimum annual income of $15,000 for the household; the maximum amount is based on family size.

Standing outside a finished project.

Applications are given out once per year in the Fall. If you are interested in applying please call 330-743-7244 or email hfhmc@sbcglobal.net your current mailing address. We will send you an application in the fall when we are beginning the process.


Price of Homes and Payments:

The typical Habitat homes are ranch-style with three bedrooms, one bath for a total of 1152 sq. ft.  They feature a basement, attached garage, and a paved driveway. The houses are fully equipped with all new appliances, carpeting, tile and a landscaped lot. The Partner/Owner will receive the keys and the deed to the house and the lot on Dedication Day at a joyous celebration. The home is sold to the Partner/Owner at cost with no down payment and no interest on the mortgage. Current price of homes is about $58,000. Monthly payments will be approximately $350 - significantly less than the average monthly rent for a comparably sized house in the Youngstown area - and includes taxes and insurance on both the house and personal possessions. However, all amounts and terms are subject to change depending on contemporary conditions. Habitat acts as the bank, and it holds a first right of refusal plus a second mortgage as incentives for you to build equity in your investment.