Steps to homeownership

Every day, families partner with Habitat for Humanity to build homes and, as a result, better lives. Learn about the journey each family takes on the intensive path to homeownership.

Habitat walks lockstep with each family as they invest hard work during their path to homeownership. From attending homeowner courses to helping to build their own homes of the homes of others, each step empowers future homeowners and helps foster the skills they need to succeed. 

We manage the homeowner selection process at the local level, from initial inquiry to closing.

Interested in learning how to become a Habitat homeowner? Follow along below!

Jump to:

Step 1: Inquire | Step 2: Apply | Step 3: Interview | Step 4: Approve | Step 5: Participate | Step 6: Close | Step 7: Move in

Step 1: Inquire

Local Habitat affiliates host information sessions where potential homeowners can learn about their homeownership program. This gives potential future homeowners time to ask questions and make connections.

“At the orientation, I heard everything from how to apply to how the process works,” says Maximino, an Evergreen Habitat homeowner. “They explained everything to us and answered all our questions.”

Reach out to your local Habitat to learn about in-person or online sessions.

To help non-English speakers achieve their dream of homeownership, affiliates can arrange a translator during the homebuying process

Step 2: Apply

If a family feels Habitat’s homeownership program is the right fit for them, they apply locally during an open enrollment period.

Habitat staff work with applicants as they submit paperwork such as pay stubs or other proof of income, documentation of substandard housing, and more.

Local Habitat staff review each application carefully while focusing on the following main criteria:

  • Need for housing: Prospective homebuyers must demonstrate a need for safe, affordable housing.
  • Willingness to partner: Once selected, homebuyers must partner with Habitat through the process.
  • Ability to pay an affordable mortgage: Homebuyers must also be able and willing to pay an affordable mortgage. Habitat mortgage payments are cycled back into the community to help build additional Habitat houses.

Read more about our homeowner qualifications.

Step 3: Interview

The next step is an in-person interview.

Habitat staff and/or volunteers make a home visit to hear more about a potential future homeowner’s desire to partner with Habitat, get to know the family, and learn about their current housing status and future housing needs

Step 4: Approve

Local Habitat staff and volunteers carefully review each family’s application packet and present their recommendations to the local board of directors.

At most local Habitats, the board makes the final determination.

Step 5: Participate

Once selected, a family is officially on their way to becoming a homeowner.

Early in the process, Habitat provides a mix of hands-on and classroom learning through homebuyer education classes. From budgeting to small home repairs, landscaping to retirement planning, each course is aimed to help homeowners achieve success in their new homes, all while developing connections with their fellow future Habitat homeowners.

Each family who partners with Habitat completes a certain number of hours of sweat equity before move-in day. Often, any adult member of the immediate or extended family – and sometimes volunteers, co-workers or friends – can contribute sweat equity hours.

Participants can accrue hours in a variety of ways, including working on a Habitat build site (their own or someone else’s), helping out in the Habitat ReStore, and assisting with administrative tasks in the Habitat office.

Many Habitat affiliates also offer creative solutions so that children can be a part of the process by accruing sweat equity hours. For example, Chipola Area Habitat in Florida awards one hour of sweat equity for every “A” that a child earns in school.

Step 6: Close

Next, homebuyers complete the paperwork for a mortgage. Habitat offers homebuyers an affordable mortgage with monthly payments compatible with their household income. Mortgage payments made by Habitat homeowners help build more affordable homes.

Step 7: Move in

Once all of the forms are signed and all of the construction is complete, it’s time to celebrate!

Friends and family, as well as the Habitat staff and volunteers who worked alongside the family on this journey, come together to dedicate the home. It’s the first of many joyous occasions to be celebrated in the new home.

Now, with the stability of a home they helped build, families have more time and resources to invest in other areas of their lives. They can invest more in their family’s health and education. Many Habitat homeowners go on to pursue secondary degrees and hit career goals. Others find ways to continue to give back to the community that welcomed them home.

Whatever a family’s long-held dreams are, affordable homeownership frees them from many of the barriers – stress, financial instability and more – that stand in their way.

Basic

Apply for a Habitat house

Learn about Habitat’s homeownership process and family selection qualifications. Habitat does not give away houses; instead, future homeowners partner with local affiliates and volunteers to build or rehabilitate a home and pay an affordable mortgage.

Learn more

What is sweat equity?

At Habitat, sweat equity is a new homeowner investing in their home or one for another family. It’s not a form of payment, but an opportunity to work alongside volunteers to bring to life a family’s dream of owning a home.

Read more
Off
Teaser image
A pair of homeowners in yellow shirts that read, "habitat family," hugging during sunrise.

The power of Women Build

Homeowners Nilda, Christina, Ai, Yessica – and longtime volunteer Teri – reflect on the difference Habitat and homeownership have made in their lives.

Habitat house with yellow door and pink flowers blooming in front.

During the COVID-19 pandemic, our homes became schools, offices, restaurants, playgrounds and so much more. Now more than ever, we’re all realizing that a home is more than a shelter. It’s our safety, our prescription for health and the foundation for the futures we build.

Another truth that COVID-19 has brought home is the tremendous balancing act that so many women have faced: working from home or serving as essential workers, often while helping their children navigate virtual school and keeping their families healthy.

Habitat for Humanity has long recognized the critical role women play in their communities as well as their specific barriers to homeownership. That’s why Habitat’s Women Build program brings together future homeowners and dedicated volunteers to help women build a better future for their families and communities.

We invite you to meet four homeowners – Nilda, Christina, Ai and Yessica – and longtime volunteer Teri to learn more about the difference that Habitat and homeownership have made in their lives.

Reaching full potential

Nilda wanted nothing more than to build a healthy home for her family. Air quality issues in her apartment were causing her daughter, Ariana, to have chronic asthma attacks. The family’s apartment was also invaded by roaches and mice that came in from the basement. Ariana was constantly in the hospital, and the medical bills were piling up. “Every time I saw a roach or mice or something like that, it would just drive me crazy,” Nilda says. She tried everything to keep the pests away, but nothing worked.

Christina and her husband, Joe, wanted a healthy home for their family, too. Mushrooms grew in the ceiling of one of their rental homes, and it made their eldest children Joseph and Jozlyn sick. The family moved often, and they often found themselves living in an unhealthy home with issues like black mold.

Both Nilda and Christina knew having a safe and decent home would significantly improve their children’s health. Both women found their solution in Habitat.

Nilda reached out to the Habitat Greater Newburgh affiliate in New York and applied to become a homeowner. Although her first two applications weren’t approved, she worked diligently with support from Habitat to improve her finances. Her third application was approved, and Nilda found herself on the path to homeownership.

Nilda painting the door of her Habitat house.

Once Nilda and Ariana moved into their new home three years ago, Ariana’s asthma attacks stopped completely. “There were so many things that I had to do to be able to keep my house safe that I no longer have to do,” Nilda says. “It took away so many worries that I had, owning my own house.”

Eleven years ago, Christina contacted Rogue Valley Habitat in Oregon. While her home was under construction, she attended a how-to clinic at the local Lowe’s store to learn construction basics. Later, employees from the store’s volunteer program, known nationally as Lowe’s Heroes, showed up at the Women Build event at her home to help her paint. She says when they arrived it was like “seeing old friends.”

Christina's son Joseph in his graduation cap and gown.

Since moving into their Habitat home, Christina’s kids Joseph and Jozlyn have thrived and enjoy good health, which has allowed them the energy to focus on their studies. Joseph was valedictorian of his high school in 2021. “My kids don’t have to move around anymore,” says Christina. “There’s nothing in this house that’s going to make them sick. I know that they will reach their full potential by us having this house.”

Enough to save and invest

Yessica knew paying an affordable mortgage was the key to being able to provide a stable home for her daughters, Lourdes and Yaritza. They lived in a small trailer in an unsafe neighborhood in southeastern North Carolina. Yessica grew afraid for her family’s safety when there was a homicide nearby. She reached out to Habitat Goldsboro-Wayne to learn more about their homeownership program and applied.

Yessica and her daughters posing together.

“Before Habitat, I felt insecure,” Yessica says. “Insecure about not having enough money for the month to pay bills or to buy groceries.” In her new home, Yessica’s mortgage payment is less than what she once paid for rent, and not having to worry about being able to pay her bills has allowed her to focus on her career goals. She obtained certifications for a job as a computer numerical control machinist and has gotten her associate’s degree.

Like Yessica, Ai was able to invest in her education after moving into her Habitat home. “I remember at one time, all I wanted was a Habitat house for my kids,” Ai says. “I wanted a house where each of my kids would get their own room and a mortgage I could pay for.” That was eight years ago, when Ai and her two children were sharing a bedroom in her parents’ Wisconsin home.

The newly single mom had made the tough choice to move back in with her parents while she finished her college education. “Those years were really hard,” Ai says, but she believed getting her bachelor’s degree would pay off.

Ai posing by a tree in her graduation cap and gown.

Living in her Habitat home, the elementary school teacher has been able to go back to school and obtain her master’s degree in education. Having an affordable mortgage also allowed her to spend more quality time with her children because she didn’t have to worry about making ends meet every month to pay for her home. “I don’t think I would have been able to be the mom that I am now if I didn’t go through the Habitat program,” she says.

A safe place to shelter

As a registered nurse, Nilda knows that having a safe and decent home plays a critical role in keeping families healthy. She’s grateful to have a home where her family can spread out now that so much of their time is spent inside. “My children have their own space,” she says.

Even with taking every precaution, her son, Alexander, tested positive for COVID-19. Nilda quarantined him in the basement while her daughter, Ariana, stayed in her bedroom on the home’s second floor. “That was a scary moment. We were able to handle it well,” she says. “The house gave us that ability to maintain my son in a space where he was OK. He was isolated, but he didn’t feel like he was closed in.”

During the pandemic, Ai’s home has become a classroom. Brightly colored papers with messages like, “Be kind. Be respectful. Be safe,” hang on her walls. She taught kindergarten and first graders via a video conferencing platform while Angel and Kong attended college and high school virtually upstairs. Her youngest son, 4-year-old Bruce, bounded around the house visiting his family. “It’s been a safe haven for us, and we’ve been healthy,” Ai says of her home.

When Ai reflects on her journey to homeownership, she remembers one of her proudest moments working alongside volunteers to build her home during a Greater Fox Cities Area Habitat Women Build event. “I remember standing there, and I’m just looking at my house, looking at all the women that were working on it,” she says. “I felt so blessed to have all these people helping my kids and I get this house. That was a very happy moment for me.”

Working side by side

Yessica says it felt empowering to work with Women Build volunteers to raise the walls of her home. “I felt proud there were only women working that day because it shows that we can do it,” she says. “We’re capable of doing everything.”

Teri, a volunteer crew leader with Habitat Greater Los Angeles, agrees. Teri has volunteered for more than 12 years and enjoys seeing Women Build volunteers let loose and have fun while helping others.

Volunteer Teri on a Habitat build site wearing a pink hardhat.

As a crew leader, Teri greets volunteers and explains what jobs they’ll do to contribute to construction. “We explain how to hammer or drill a nail, but some people are afraid of certain things,” she says. That’s when Teri steps in to help. She encourages volunteers to give something new a try, and if they aren’t comfortable, she’s always happy to help them find something they love.

Full circle

Nilda, Christina, Ai and Yessica were all motivated by the same dream: having a home where their children could be healthy and safe and would thrive. They wanted to nurture their own goals, too, like going back to school and furthering their careers. By building safe and affordable homes with Habitat, these women also built a strong foundation to help them make their dreams a reality, and that’s exactly why Habitat continues to work with women across the country in pursuit of a world where everyone has a safe and decent place to live.

Learn more about Women Build and find out how you can participate.

Basic
Off
Habitat home in spring with a bright yellow door and pink flowers in front.

The power of Women Build

Habitat House Design Contest: Building a solid foundation

By design, Habitat for Humanity homes provide a strong foundation for families to flourish. During our inaugural Habitat House Design Contest in 2020, generously sponsored by Simpson Strong-Tie, more than 100 Habitat affiliates submitted their plans for sustainable, resilient homes to help families in their communities thrive.

Illustration of black and white house plans.

By design, Habitat for Humanity homes provide a strong foundation for families to flourish.

That foundation begins with homes that are affordable, durable, healthy and easy to maintain for years to come. Habitat house plans are often uniquely crafted to meet the needs of individual communities, with local Habitats across the U.S. building homes inspired by local styles, climate and materials.

During our inaugural Habitat House Design Contest in 2020, generously sponsored by Simpson Strong-Tie, more than 100 Habitat affiliates submitted their plans for sustainable, resilient homes to help families in their communities thrive.

See which Habitat designs were selected as the best in affordable home design and construction:

Basic
1 / 3

Best in Accessibility

When Katie and Dale needed an accessible home for their son, Anthony, Lakes Area Habitat answered the call. The Minnesota-based affiliate developed a plan for a single-level house with features including a roll-in shower and wide hallways for the family of three, who were living in a rental where the doorways were too small to fit Anthony’s wheelchair.

“Every time that Dale and Katie moved from room to room with Anthony in the place they were renting or tried to enter or leave their home, they had to lift him out of his wheelchair and transfer him to another chair,” says executive director Kevin Pelkey. Now, the family is thriving in a fully accessible home.

Best in Sustainability

Pioneer Valley Habitat knows that even small homes make a big difference. As part of their Big Enough Initiative, the affiliate developed a house plan for a 650-square-foot home that requires little energy to maintain, passing along savings on utilities to the homeowner.

“We were looking to build a small footprint house, which reduces the amount of material to use, which is very sustainable,” says executive director Megan McDonough. “Also, the smaller the house, the less square footage you have to heat, so that also helps with long-term affordability for the homeowner to operate the home, the initial cost to build it and the long-term impact on the planet.”

Best in Affordability

To help keep homes affordable in their city, where demand for homes is high and supply is low, Habitat Missoula developed a house plan that uses materials found in almost any region of the country without sacrificing design elements that make a house a home. “We tried to make sure that we had a good-quality design from a human level that took into consideration ways to try and save some dollars,” says executive director Heather Harp. “So there’s not a lot of architectural elements that add costs, they just add beauty at a reasonable price.” Those design details include opting for an uncovered porch and placing windows at the right locations to take advantage of sunlight during daytime hours.

Best in Resiliency

When an older couple donated land to Habitat Hillsborough County, the affiliate developed a plan for the property that would stand the test of the time — and a major storm. The house plan called for a metal roof designed to withstand 145-mph winds, steel-reinforced concrete block walls and water-resistant flooring. These features of the home not only help protect the homeowners, but also help reduce insurance costs.

“We’re in Florida. We’re particularly in a place susceptible to storms, increasing storms with climate change,” says chief operating officer Ron Spoor. “For us to ensure that our homeowners have a decent place to live, it compels us to ensure that our homes have a level of resiliency and sustainability that promotes long-term success.”

Best Multifamily

Multifamily developments are a go-to solution for Habitat Portland Region. “There’s a lot of need for housing and affordable housing in the city,” says project manager Melissa Robson. “We are trying to provide as many homes as possible in a way that makes the most sense for us in our communities.”

The plan for the affiliate’s multifamily project in southeast Portland features 40 homes, including six single-story homes for families who have accessibility needs.

Best Layout

When Evergreen Habitat found themselves with a narrow plot of land and a need to design a home for a family of six, they were excited by the challenge. “With that specific plan, we were designing for a very strange lot,” says construction manager Courtney Patterson. The affiliate members put their heads together to develop a linear home that features a long hallway and offers flexibility for adding additions or reorienting the house plan for future use.

Best Plan Set

At Habitat, house plans have to be clear enough for homeowners and volunteers to follow and intricate enough for subcontractors to understand how the home will be constructed. Habitat Coastal Fairfield County achieved both requirements with their plan set for a veteran’s home near Long Island Sound in Connecticut.

“When you have planned for Habitat homes, you are working with vendors and subcontractors who need enough specificity to know what they’re doing, and you’re also working with volunteers who need to be able to entertain what you’re looking at. Then you’re also working with families,” says chief executive officer Cathy Collins. “So it’s striking that balance of all the different people that we interact with when building homes.”

Best Construction Partnership

Partnerships with local organizations are integral to the success of Junction City/Harrisburg/Monroe Habitat  and their ability to partner with families in local communities to build safe and decent homes. A partnership with a nearby high school has helped students in woodshop class learn the value of giving back while building bathroom vanities and garage cabinets for Habitat homes.

“The key point is to show students the benefits of volunteering and give them the opportunity to see how helping others can really be a rewarding aspect of their lives,” says George Anderson, who has been a construction volunteer with the affiliate for 13 years.

Best Innovative Solution

When Habitat Seattle - King County had the opportunity to build homes in south Seattle, they got creative to serve more families. “The only way that we can develop properties in Seattle metro is by taking advantage of zoning allowances to increase density,” says Patrick Sullivan, director of real estate and development. The organization’s innovative approach to maximizing their density – and impact – transformed a plot of land where once one single-family home stood into 13 homes, lowering the cost of land per unit and increasing affordability.

Best Low Carbon Footprint

Designing eco-friendly homes is a top priority for Gunnison Valley Habitat. The affiliate developed a plan for an all-electric home with efficient appliances and solar panels that is projected to produce two and a half times the amount of energy it uses annually. The house plan calls for locally sourced materials that have a low environmental impact.

“I think that as stewards of God’s green earth, we should care about our environment, how we’re building the health of our environments, the people who are producing the materials, our volunteers who are using the material and our homeowners that are eventually living in the home,” says executive director Julianne Robinson. “We should think about all those things and build more eco-friendly.”

Best Equity and Inclusion Through Construction

When two high-rise buildings were brought down in the Sharswood neighborhood as part of the Philadelphia Housing Authority’s neighborhood transformation plan, a new opportunity to build an inclusive, mixed-income development blossomed in their place. The historically middle-class Black neighborhood of Sharswood had been one of the most under-resourced neighborhoods in the city since the 60s and was facing the pressure of gentrification by surrounding neighborhoods.

Through a partnership with the Philadelphia Housing Authority and a coalition of community partners, Habitat Philadelphia joined the effort to revitalize the neighborhood by designing a plan for 20 new affordable homes and 68 repairs to existing homes. “As all the boats are rising, you’ve got to have a boat to catch that tide,” says chief executive officer Corrine O’Connell. “Why not have this neighborhood be on the upswing, but allow and empower neighbors who have been there for 30 years to enjoy that upswing as well?”

The 2020 Affiliate Choice Award

Habitat Greenville County developed a house plan that can be adapted for a variety of homeowners with accessibility needs. Their plan features core dimensions that don’t change, even if the purpose of the room does. “If it ain’t broke, make it better” is the mantra of the affiliate according to president and CEO Monroe Free. “We believe in constantly reevaluating ourselves and looking for things that we can do better, so that we better serve our families.”

The 2020 Design of the Year

Santa Fe Habitat believes in building green and designing homes that reflect the cultural heritage of northern New Mexico and the Southwest. “We want to do our best to respect the environment, respect the community, and build what’s important to us and to our donors and in the community,” says executive director Kurt Krahn.

That’s why the affiliate developed a house plan that is energy-efficient, including using solar panels to power the home with clean and renewable energy and installing rain barrels on the roof to catch rainwater for later use in Santa Fe’s high desert environment. The home is located in a mixed-income neighborhood that utilizes a water treatment plant to recycle water back to the neighborhood for use in watering outdoor gardens and plants.

Best in Accessibility

When Katie and Dale needed an accessible home for their son, Anthony, Lakes Area Habitat answered the call. The Minnesota-based affiliate developed a plan for a single-level house with features including a roll-in shower and wide hallways for the family of three, who were living in a rental where the doorways were too small to fit Anthony’s wheelchair.

“Every time that Dale and Katie moved from room to room with Anthony in the place they were renting or tried to enter or leave their home, they had to lift him out of his wheelchair and transfer him to another chair,” says executive director Kevin Pelkey. Now, the family is thriving in a fully accessible home.

Best in Sustainability

Pioneer Valley Habitat knows that even small homes make a big difference. As part of their Big Enough Initiative, the affiliate developed a house plan for a 650-square-foot home that requires little energy to maintain, passing along savings on utilities to the homeowner.

“We were looking to build a small footprint house, which reduces the amount of material to use, which is very sustainable,” says executive director Megan McDonough. “Also, the smaller the house, the less square footage you have to heat, so that also helps with long-term affordability for the homeowner to operate the home, the initial cost to build it and the long-term impact on the planet.”

Best in Affordability

To help keep homes affordable in their city, where demand for homes is high and supply is low, Habitat Missoula developed a house plan that uses materials found in almost any region of the country without sacrificing design elements that make a house a home. “We tried to make sure that we had a good-quality design from a human level that took into consideration ways to try and save some dollars,” says executive director Heather Harp. “So there’s not a lot of architectural elements that add costs, they just add beauty at a reasonable price.” Those design details include opting for an uncovered porch and placing windows at the right locations to take advantage of sunlight during daytime hours.

Best in Resiliency

When an older couple donated land to Habitat Hillsborough County, the affiliate developed a plan for the property that would stand the test of the time — and a major storm. The house plan called for a metal roof designed to withstand 145-mph winds, steel-reinforced concrete block walls and water-resistant flooring. These features of the home not only help protect the homeowners, but also help reduce insurance costs.

“We’re in Florida. We’re particularly in a place susceptible to storms, increasing storms with climate change,” says chief operating officer Ron Spoor. “For us to ensure that our homeowners have a decent place to live, it compels us to ensure that our homes have a level of resiliency and sustainability that promotes long-term success.”

Best Multifamily

Multifamily developments are a go-to solution for Habitat Portland Region. “There’s a lot of need for housing and affordable housing in the city,” says project manager Melissa Robson. “We are trying to provide as many homes as possible in a way that makes the most sense for us in our communities.”

The plan for the affiliate’s multifamily project in southeast Portland features 40 homes, including six single-story homes for families who have accessibility needs.

Best Layout

When Evergreen Habitat found themselves with a narrow plot of land and a need to design a home for a family of six, they were excited by the challenge. “With that specific plan, we were designing for a very strange lot,” says construction manager Courtney Patterson. The affiliate members put their heads together to develop a linear home that features a long hallway and offers flexibility for adding additions or reorienting the house plan for future use.

Best Plan Set

At Habitat, house plans have to be clear enough for homeowners and volunteers to follow and intricate enough for subcontractors to understand how the home will be constructed. Habitat Coastal Fairfield County achieved both requirements with their plan set for a veteran’s home near Long Island Sound in Connecticut.

“When you have planned for Habitat homes, you are working with vendors and subcontractors who need enough specificity to know what they’re doing, and you’re also working with volunteers who need to be able to entertain what you’re looking at. Then you’re also working with families,” says chief executive officer Cathy Collins. “So it’s striking that balance of all the different people that we interact with when building homes.”

Best Construction Partnership

Partnerships with local organizations are integral to the success of Junction City/Harrisburg/Monroe Habitat  and their ability to partner with families in local communities to build safe and decent homes. A partnership with a nearby high school has helped students in woodshop class learn the value of giving back while building bathroom vanities and garage cabinets for Habitat homes.

“The key point is to show students the benefits of volunteering and give them the opportunity to see how helping others can really be a rewarding aspect of their lives,” says George Anderson, who has been a construction volunteer with the affiliate for 13 years.

Best Innovative Solution

When Habitat Seattle - King County had the opportunity to build homes in south Seattle, they got creative to serve more families. “The only way that we can develop properties in Seattle metro is by taking advantage of zoning allowances to increase density,” says Patrick Sullivan, director of real estate and development. The organization’s innovative approach to maximizing their density – and impact – transformed a plot of land where once one single-family home stood into 13 homes, lowering the cost of land per unit and increasing affordability.

Best Low Carbon Footprint

Designing eco-friendly homes is a top priority for Gunnison Valley Habitat. The affiliate developed a plan for an all-electric home with efficient appliances and solar panels that is projected to produce two and a half times the amount of energy it uses annually. The house plan calls for locally sourced materials that have a low environmental impact.

“I think that as stewards of God’s green earth, we should care about our environment, how we’re building the health of our environments, the people who are producing the materials, our volunteers who are using the material and our homeowners that are eventually living in the home,” says executive director Julianne Robinson. “We should think about all those things and build more eco-friendly.”

Best Equity and Inclusion Through Construction

When two high-rise buildings were brought down in the Sharswood neighborhood as part of the Philadelphia Housing Authority’s neighborhood transformation plan, a new opportunity to build an inclusive, mixed-income development blossomed in their place. The historically middle-class Black neighborhood of Sharswood had been one of the most under-resourced neighborhoods in the city since the 60s and was facing the pressure of gentrification by surrounding neighborhoods.

Through a partnership with the Philadelphia Housing Authority and a coalition of community partners, Habitat Philadelphia joined the effort to revitalize the neighborhood by designing a plan for 20 new affordable homes and 68 repairs to existing homes. “As all the boats are rising, you’ve got to have a boat to catch that tide,” says chief executive officer Corrine O’Connell. “Why not have this neighborhood be on the upswing, but allow and empower neighbors who have been there for 30 years to enjoy that upswing as well?”

The 2020 Affiliate Choice Award

Habitat Greenville County developed a house plan that can be adapted for a variety of homeowners with accessibility needs. Their plan features core dimensions that don’t change, even if the purpose of the room does. “If it ain’t broke, make it better” is the mantra of the affiliate according to president and CEO Monroe Free. “We believe in constantly reevaluating ourselves and looking for things that we can do better, so that we better serve our families.”

The 2020 Design of the Year

Santa Fe Habitat believes in building green and designing homes that reflect the cultural heritage of northern New Mexico and the Southwest. “We want to do our best to respect the environment, respect the community, and build what’s important to us and to our donors and in the community,” says executive director Kurt Krahn.

That’s why the affiliate developed a house plan that is energy-efficient, including using solar panels to power the home with clean and renewable energy and installing rain barrels on the roof to catch rainwater for later use in Santa Fe’s high desert environment. The home is located in a mixed-income neighborhood that utilizes a water treatment plant to recycle water back to the neighborhood for use in watering outdoor gardens and plants.

Habitat houses: Recognizing best-in-class designs

From building resilient, hurricane-proof homes in Florida to prototyping with a 3D-printed home in Virginia, Habitat affiliates in the U.S. seek innovative solutions to local, pressing needs. The 2021 Habitat House Design Contest, generously sponsored for a second year by Simpson Strong-Tie, invited local affiliates to submit their home designs across a range of categories, including equity, multifamily, sustainability and many more. 

Learn more
Off
Illustration: Black and white drawing of 10 house plans of varying dimensions.

Habitat House Design Contest: Building a solid foundation

A gift of gratitude: Ernie’s story

It had been a year since Ernie, an outgoing 87-year-old U.S. Army veteran, had been outside on his own. After months of this kind of physical isolation, and months of encouragement from his social worker, Ernie applied for Habitat for Humanity of Greater Lowell’s Critical Home Repair Program.

Ernie on his newly built ramp.

It had been a year since Ernie, an outgoing 87-year-old U.S. Army veteran, had been outside on his own. The entrance to his home for the last 50 years — the one he had shared with his late wife and raised his children in — could not accommodate the wheelchair he now used. His family would carry him, and then his wheelchair, down the steps and to their car to get to medical appointments. The appointments were the only time he left the house.

After months of this kind of physical isolation, and months of encouragement from his social worker, Ernie applied for Habitat for Humanity of Greater Lowell’s Critical Home Repair Program. The program is designed to improve residents’ quality of life through repairs that help them increase their independence and improve their safety. At Ernie’s home, volunteers planned to erect a ramp so he could spend time outside on the days he didn’t have doctor’s appointments — and would have an easier time of getting to the car on days when he did.

Before they could get to work, members of the volunteer crew first had to move Ernie’s car out of the way. The beige 2005 Mercury Sable had been sitting untouched in the driveway, and no one was sure if it even had enough power to run.

“It started, but then it conked out,” Ernie says with a laugh. “So, they had to push it to the side. They even cleaned out the mouse nest and acorns in the engine.” As the volunteers began working, Ernie took in the scene from his living room window. “It was just amazing watching them that day,” he says. “There were about five of them. Everyone had a job to do, and they did it in jig time.”

As he watched, he grew determined to return their kindness — and figured out exactly how he was going to do it. He would put his inactive Mercury Sable to use by donating it to Habitat’s Cars for Homes program. “It was the least I could do,” he says.

“Ernie didn’t accept help for the longest time and once he finally did, all he could think about was how he was going to use it to help someone else,” says Lisa Garvey, community outreach director for Habitat Greater Lowell. “As a proud veteran, that sense of service is just part of who he is.”

Through Cars for Homes, individuals can donate their used vehicles — including cars, motorcycles, RVs, boats, even snowmobiles — to support Habitat’s work. Depending on their condition, the vehicles are either sold at auction or to licensed direct buyers that can make repairs as needed and/or salvage parts. Proceeds from the sale of the vehicle are donated to Habitat — with the majority invested in the affiliate and community where the car is donated. For the past five years, vehicle donations through the Cars for Home program have provided more than $21 million for participating Habitat affiliates, helping more families achieve the stability and security of affordable homeownership.

For Ernie, Cars for Homes offered the perfect solution — both to make an impact and lift a weight. Although he was no longer driving the car, it was still costing him. “I’m saving a lot of money on insurance and registration fees,” he says. “It’s a relief.”

After sorting out his title, Lisa helped Ernie schedule the donation online. Soon after, the car was picked up from his home, and, once the sale was complete, the proceeds were donated to Habitat Greater Lowell. “Working with him on this process was special because it meant so much to him to give back in some way, but he’s on a fixed income and not in a place to contribute financially,” says Lisa. “And now, his gift will allow us to assist even more wonderful people like him. It’s full circle.”

These days, when the weather’s nice, Ernie soaks up the sunshine on the landing of his ramp and chats with neighbors who pass by. Along with freedom and social connectivity, he also enjoys a sense of peace. “I feel more safe and secure. I can come in and exit my house so easily,” says Ernie. “If there is ever an emergency, I can get out with no problem. It’s the first time in over a year that I’ve been able to do that.”

Donating the car, he says, was just a small token of his gratitude for all these things. “I am happy I could pay it forward,” Ernie says.

Basic
Veterans

How to donate your car

Looking to donate a car, truck, boat, RV or other vehicle? Your vehicle donation to Habitat supports families in your local community. With our quick and easy donation form, you can make a difference today.

Read more
Off
Ernie on his ramp.

A gift of gratitude: Ernie’s story

Reflecting on 25 years of homeownership, friendship

Homeowner Kathy reflects on what life has brought her after she and her daughters moved into their Habitat home in Boise, Idaho, 25 years ago. “Back then, before Habitat, I figured that homeownership would always be out of reach,” she says.

Cathy on the build site of her home in 1995.
Homeowner

As I turned the calendar page to close out 2020, I was reminded of how quickly time goes by. It has been 25 years now since my two daughters and I moved into our newly built Habitat home in Boise, Idaho. As I looked at the calendar, recalling our life all those years ago and reflecting on all that has happened since, memories flooded my mind.

Back then, before Habitat, I figured that homeownership would always be out of reach. In the early 1990s, my girls, Theresa and Maria, and I were living in a duplex that kept increasing in cost. We dreamed of a simple, affordable space of our own — but with the cost of rent rising right under our feet, I wasn’t sure how or if that would ever be possible.

A few months later, after picking up a brochure at church, I attended a Boise Valley Habitat home dedication ceremony held not far from our apartment. While there, I not only learned about Boise Valley Habitat’s mission, I saw it in action as a family received the keys to their home. After the ceremony, I met some of the Habitat volunteers and staff. They explained the Habitat application process and answered my questions. I left the event with a renewed sense of hope.

A year later, after an application and interview process, some of those same Boise Valley Habitat volunteers and staff members gathered at a new construction site. I met them there in the rainy February of 1995, and together we began working on my own family’s forever home.

A white Habitat home with a white fence.

At the time, my daughters and I didn’t know the first thing about building. Now, we look back at that time and laugh. One day, a volunteer told us how to put in the flooring, so we started pounding nails in. When he came back to check on us, he was speechless. “OK, yep,” he laughed, “that’s certainly a lot of nails!” We had been hammering in one nail about every inch when far fewer would have sufficed. (Safe to say our floor is still in place today.)

My daughters and I learned how to do many things like this — even if it wasn’t the easy way. And I wouldn’t trade it for the world. Being able to put our house together and learn how it works, how to take care of it, piece by piece, helped us understand what goes into building a house and how to take care of it once it finally became ours. At our home dedication ceremony, I said that this was “the most beautiful home in Boise.” I meant it.

That’s because, while the process of constructing our own home was special, the thing that made it beautiful was the willingness of people, some even strangers, to show up and build right alongside us.

My kids and I put in a combined 250 hours of sweat equity to qualify for our Habitat home. Family and friends were expected to put in another 250 hours. At first, I wasn’t sure how I would meet that criteria since all my family lived back in Iowa. But every Saturday at the worksite, new faces would appear, eager to spend their weekend helping my family build our dream house. Volunteers from area churches and Habitat board members came to help us build.

One day, even my coworkers surprised me by showing up to work on their day off. Neighbors brought coffee to volunteers one week and cookies the next. I was constantly overwhelmed by the goodness of people and the kindness of strangers. Over time, those strangers would form my community and my family here in Idaho.

These people and the bonds we formed are the true meaning of Habitat’s work for me. The power of Habitat’s ministry is in its people. The people who help you back up, the ones who will go out of their way for a stranger. Their selfless example made me look at life differently. It made me a more giving person. Because when someone has helped you, you just can’t help but want to help other people.

Now 25 years later, I’m retired, and my mortgage is paid off. My daughters are grown and on their own. My house is sturdy and on a single story so that I can grow older here in safety, comfort and peace.

Basic
Economic opportunity
1 / 3

Kathy’s daughters Theresa and Maria in their Habitat home’s kitchen in 1995.

Kathy’s daughters Theresa and Maria in their Habitat home’s kitchen in 2019.

Kathy’s daughters Theresa and Maria in their Habitat home’s kitchen in 1995.

Kathy’s daughters Theresa and Maria in their Habitat home’s kitchen in 2019.

I continue to give time and my voice to Boise Valley Habitat whenever I can and always encourage people to apply to the homeownership program so that, like me, they can be blessed by all that home and Habitat provide. Over the years, I’ve helped many other families build their own homes here in Boise. It’s so special to watch their own journey unfold and to do my part to help them, knowing just what it means to have strangers show up in your corner.

My close-knit Habitat family has gotten smaller with time as we age or move away, yet we continue to gather every year around Christmas to celebrate all the good in our lives — including each other. I’ve hosted this celebration in my home every year since construction was completed. It’s a special chance for us to catch up, to laugh together and to reminisce over who put in that window or who nailed in that baseboard.

Although we had to skip the in-person celebration this year due to the pandemic, the sounds and sights of the holiday season constantly remind me of these special people and their friendships, ones that have sustained me all my life. Once it is safe to do so, we plan to pick up our tradition of celebration and thankfulness right where it left off. But until then, I’ll cozy up, stay safe and count my blessings here in “the most beautiful home in Boise” — the one that we built together.

Donate to support Habitat

Families around the world partner with Habitat to build safe, affordable homes.

Off
Homeowner Kathy stands in the beginnings of her house.

Reflecting on 25 years of homeownership, friendship

By Habitat homeowner Kathy

Subscribe to