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Yes, you do. Applicants must be residents of Jackson County for at least one year to be eligible for the program.

Absolutely! We welcome applications from individuals receiving SSI. However, it’s important to note that to qualify, your mortgage payment cannot exceed 30% of your monthly income. Currently, our mortgages are approximately $800 per month, exclusive of utilities and other fees.

In addition to residency requirements and income considerations, applicants must demonstrate a need for adequate housing, ability to pay an affordable mortgage, and willingness to partner with Habitat for Humanity through sweat equity hours and homeowner education.

Once your application is received, it will be reviewed by our selection committee. If you meet the initial eligibility criteria, you will be contacted for an interview and further documentation. Final decisions are made based on a combination of need, ability to pay, and willingness to partner with Habitat for Humanity.

No. Jackson County Habitat homeowners purchase their homes from the affiliate through a zero-percent interest mortgage.

There is a required monetary down payment of $1,000 after the homeowner’s application has been approved. This amount can be paid in installments.

The monthly mortgage payment varies depending on the cost of each individual home. Currently, the average monthly mortgage payment for new home buyers is right around $800.

  • Principal payment that goes to pay down the amount owed on the home loan
  • Property taxes
  • Homeowners’ insurance
  • Termite insurance bond

Sweat equity is the homeowner’s contribution of labor toward the construction or renovation of their home. This could involve tasks such as helping with construction, attending homeowner education classes, or volunteering at Habitat events. It’s a vital part of the partnership with Habitat for Humanity.

There is a minimum requirement of 300 sweat-equity hours. 100 hours must be completed prior to construction, 100 hours can be donated by family and friends, 80 hours must be spent working on the homeowners home, and 20 hours must be spent in sanctioned financial literacy, and home-ownership classes.

This is not true.  The home buyer signs the closing documentation and pays on the home for the life of the loan. When the maturity date is reached the home then becomes the homeowners, just like a traditional home.

The timeline can vary based on factors such as funding availability, volunteer support, and the specific needs of each applicant. Generally, the process can take several months to a year or more from application to move-in.

Yes, there are. The applicant must pay for their background and credit check that the affiliate will run. Selected applicants will be responsible for a down payment, closing costs and other fees associated with purchasing a home. However, we work with families to ensure these costs are manageable and affordable.

Jackson County Habitat for Humanity builds homes in designated neighborhoods and communities within Jackson County. While homeowners do not have complete control over the location and design, we strive to accommodate preferences and ensure that each home meets the family’s needs to the best of our ability.

There are numerous ways to get involved, including volunteering on construction sites, donating funds or materials, sponsoring a build, or attending and supporting our events and fundraisers. Your support helps us continue our mission of providing affordable housing to those in need within Jackson County.