We aim to enable hard working families across Jackson County (you MUST live or work in Jackson County to be considered for our program) to secure stable, affordable housing based on three criteria:

Ability to Pay

You must be able to make monthly mortgage payments for the life of your loan. Please see the income guidelines below.

Income Guidelines: 30%-80% AMI

Download Income Guidelines Sheet

Willingness to Partner

Habitat homeowners work on their own homes as well as homes for others. Partner families must contribute at least 300 hours of volunteer work, “sweat equity,” to qualify for a home. In addition to these hours, there are mandatory homeowner education classes on topics such as managing credit, budgeting, maintenance of homes and lawns, and preparing a will. You must be available on Saturdays, and you must understand and accept this “Sweat Equity” requirement.

Download Homeowner Application

Turn in your application to the Restore or to familyservicesmanager@jacksoncountyhfh.org.

Overall Need

Families often need a home because their current housing isn’t viable. It may be overcrowded, too expensive, structurally unsound, or located in a dangerous neighborhood.