Habitat for Humanity Chatham-Kent

HOME OWNERSHIP Habitat for Humanity Chatham-Kent believes that home ownership brings security, stability, and many other benefits. Habitat homes are built by volunteers and donors and sold to qualified families. 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 percent of their income for mortgage and taxes. If you are a hard-working family who would like to own your own home, the Habitat program may be for you. In keeping with our philosophy of providing a "hand up, not a hand out," we help families who meet the following criteria: Need •Families must have children under age 18 living at home. •Their current housing is substandard, does not meet their needs, or they would otherwise be unable to purchase a home. •They must be citizens or permanent residents of Canada and residents of the Chatham-Kent area (or community where we are building the home) for two years. •The Habitat program is intended for families who have not previously owned a home. Ability to Pay •Gross family income between $20,000 and $43,000 annually in order to carry the interest free mortgage. (income dependent on the size of the family) •At least one adult employed full-time year round. •Good credit rating. •Balance between debt and income. •If a family has experienced bankruptcy, they must have been discharged for two years. Willingness to Partner •Families agree to work 500 hours in place of a cash down payment. •They agree to keep home and yard in good condition. •They agree to follow all Habitat for Humanity Chatham-Kent policies. How to Apply If you think you fit our criteria listed on this web page, please call 519.351.0430 for more information about our home ownership application process. You can also get started by reviewing the documents below which will form part of your application package. Application Checklist (PDF) Application (PDF) Release Form (PDF)