How does the partnership with homeowners work?
Habitat is not a giveaway program, but is a joint venture in which those who benefit from the housing ministry are involved in the work at various levels. Each homeowner family is required to invest "sweat equity" hours into the construction of their home. This reduces the cost of the house, increases the pride of ownership among family members, and fosters the development of positive relationships with other persons.
How are the partner families selected?
Families apply to local Habitat projects. A family selection committee chooses homeowners based on their level of need, their willingness to become partners in the program, and their ability to repay the loan. Every project follows a non-discriminatory policy of family selection. Neither age, race, nor religion is a factor in choosing the families to receive Habitat houses.
Will I have a mortgage?
Yes. The selected family does have a mortgage with Habitat and makes monthly payments to purchase the home. This loan is with no interest and the principal/loan amount is greatly reduced due to Habitat's volunteer labor and any material contributions.
Jackson County Habitat for Humanity
P.O. Box 407
Ripley, WV 25271
(304) 372-1748
Do I qualify to become a Homeowner?
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