Traditional Habitat Homeownership Program

7-29-2015-Eric-Stewart-at-window-530x504We are recruiting now for 2018!  If interested, contact us.

Are you looking for an affordable opportunity to buy a simple, decent home?      Click here  Brochure – Habitat program – 1.2018 – PdF version to start learning about the qualifications required to join the  Habitat for Humanity housing program.  If you like what you read about this program, then call the office at 608-448-2888 to set up a meeting about the requirements and to fill out the mandatory “Pre-Qualification” form.

HFHWRA builds  (or re-habs)  1 – 2 homes each year through this program, working  with one family at a time. The family must put in hundreds of hours of  “sweat equity” building the home, but community members are also asked to join in.  The homes built by HFHWRA are affordable, simple, decent, energy efficient homes that we finance at a very favorable rate.   The homes are not fancy or large, and are designed by the HFHWRA Build Committee  – not the family – to give the family the basics needed  for their housing.  The location for the home is also selected by HFHWRA’s Build Committee, and is often decided based on where we can find inexpensive building lots  so we can keep the house price low for the family.    Features of the program are:

  • excellent financing through HFHWRA
  • a (usual) build time of about 6 – 7  months
  • energy efficient construction
  • some limited choices in terms of finishes (color of siding, shingles, a few other items.)                                                                                                                                                                                  To qualify, an applicant must demonstrate the following: 1) Housing need,    2) ability/willingness to pay back the mortgage in a timely manner,  and     3) ability/willingness to “partner” with HFHWRA during the build   –   and into the future.  Why would HFHWRA care about “partnering” into the future?   HFHWRA seeks positive  “partners” because with the  Habitat for Humanity program the community is asked to donate both items and time to help with the construction.  Because community volunteers are asked to help in this way,  families in the program become a “living  billboard” for the program both during the construction – but also far into the future.  Because of this community involvement, we also run background checks on all household members, and cannot accept people with certain offenses into the program.  These restrictions are discussed at the Pre-Qualification meeting.

Since HFHWRA began,  over 70 homes have been built (or re-habbed) in Sauk, Columbia, Iowa counties through this program.  These families received a wonderful opportunity to enjoy simple, decent, energy efficient shelter at affordable rates.  With every mortgage payment they made, they built up equity in their Habitat home.