Future Homeowner FAQ

How does Habitat work?

How do I qualify for a Habitat home?

Do you have to be a Christian to become a Habitat homeowner?

Do you have to be a U.S. citizen to become a Habitat homeowner?

Can I qualify if I am handicapped?

How does a Habitat mortgage work?

Do I have to participate in the construction of the home?

Do I have to know anything about construction?

Can I start my required “sweat equity” hours whenever I want?

How can I apply for a home?

How does Habitat work?

Through volunteer labor and donations of money and materials, Habitat builds simple, decent, affordable homes in partnership with Habitat homeowner (partner) families and volunteers. Habitat homes are then sold to partner families at no profit, financed with affordable, 0% interest loans. The homeowner is responsible for the monthly mortgage payment. The revenue received from the mortgage payments is used to support Habitat’s programs.

Habitat is not a giveaway program. In addition to a down payment and the monthly mortgage payments, homeowners are required to invest hundreds of hours of their own labor – “sweat equity” – into building their Habitat home and the homes of others.

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How do I qualify for a Habitat home?

Please visit our Qualifications page for more information.

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Do you have to be a Christian to become a Habitat homeowner?

Habitat for Humanity was founded as, and still is, a non-denominational, Christian housing ministry. However, Habitat homeowners are selected into the program without regard to race, religion or ethnic group. Habitat also welcomes volunteers from all faiths, or no faith, who actively embrace Habitat’s goal of eliminating poverty housing.

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Do you have to be a U.S. citizen to become a Habitat homeowner?

Yes. You must be either a U.S. citizen or a permanent resident to qualify for a Habitat home. In addition, you must be a Broward County resident for at least twelve (12) months.

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Can I qualify if I am handicapped?

Yes. Habitat will work out a special arrangement by which you can satisfy Habitat’s “sweat equity” requirements through limited construction duties or work at the Habitat Re-Store. In addition, modifications will be made during the construction of your home in order to make it accessible.

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How does a Habitat mortgage work?

After Habitat for Humanity helps build the home, the organization takes on the role of “lender” for the 0% interest mortgage.

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Do I have to participate in the construction of the home?

Yes, that is a key part of the Habitat for Humanity program, which we call “sweat equity.” Homeowners work alongside Habitat staff and volunteers in the construction of their own homes and those of their neighbors. All families must satisfy the minimum requirement of 500 hours of “sweat equity.”

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Do I have to know anything about construction?

No. Previous construction experience or knowledge is not necessary. Habitat staff and skilled volunteers will teach you all of the skills you need and will provide expert supervision.

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Can I start my required “sweat equity” hours whenever I want?

No. A future homeowner can only begin their sweat equity hours after being accepted into the Habitat program.

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How can I apply for a home?

Please see the information contained within the Homeownership section of our website.

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