Looking to Own Your First Home?
Habitat for Humanity Chatham-Kent offers a hand up, not a hand out. The Habitat home ownership model helps working,
lower - income families achieve their dream of owning a home.
Habitat homes are built by volunteers and donors and sold to qualified families and individuals.
Habitat holds the mortgage, charges no interest and amortizes the mortgage for as many years as necessary to ensure families pay no more than 30% of their income for mortgage and taxes.
Habitat for Humanity Chatham-Kent does not provide free homes. The families who partner with us invest directly into their homes equity and commit 500 volunteer hours to our organization. Families purchase their home at fair market value with no down payment and pay an affordable mortgage. Families who partner with Habitat for Humanity CK, understand that a home is a longterm commitment and investment.
How to get started.
Applying for homeownership is easy with these three steps:
Meet the following criteria.
Habitat for Humanity partner families meet three requirements in the following areas: need, ability to pay and willingness to partner. Below we have highlighted these key areas on how you may qualify.
Complete the questionnaire.
Our online assessment form is designed to go over the key areas that make you eligible to partner with Habitat. It helps us get you on the right track to begin your application.
Begin your application.
Once you have completed our online questionnaire, a member from our team will reach out to you to begin your application.
Here's How to Qualify.
To be eligible to purchase a Habitat home, potential homeowners must meet three areas of qualification:
a need for housing may include:
poorly maintained housing
unhealthy or unsafe housing
unaffordable or high shelter costs
inaccessible housing for those living with disabilities
ability to pay.
Homebuyers must have the ability to pay
a no-interest mortgage. The minimum income requirement is $22,000 before taxes.
# of bedrooms
max family income
Families are willing to partner with Habitat for Humanity.
They agree to follow Habitat policies, including:
completing 500 "sweat equity" hours and
keeping the home in good condition