The homeownership program with Habitat for Humanity is unique. For starters, there are many misconceptions and misnomers when it comes to the partnership that we have with our homeowners. They are just that, homeowners. The process looks remarkably like a traditional home buying scenario. The same regulations that your typical mortgage lender follow are the same ones that we follow throughout the process. We are certified, loan originators, within the confines of the organization. All of the notices and red tape still exists and our homeowner partners sign a promissory note and security deed at the completion of the build, just like every other homeowner.
While the differences between our program and traditional home buying are minimal, they tend to make the process more difficult, not easier. Things our homeowners must do:
-Apply, qualify, submit to a site visit, complete an in-person interview, be selected, sign homeowner agreement
-Complete 300 sweat equity hours, attend six financial classes, one on one coaching with our Family Services Manager, help build their house
The End (or more realistically, the start):
-Enter a 6 month lease period to ensure a smooth transition, close on the home and begin paying an affordable mortgage
This message is important, our families are HOMEOWNERS. Our program is truly a partnership. It cannot be one-sided. As an organization, we require a strong level of buy-in because that is where change happens. When our goal is to end generational poverty the program cannot be lax. Accountability matters and our homeowners rise to that challenge.
*GET READY FOR HOUSE 17 COMING SOON IN COMMERCE, GEORGIA*
Follow the link below to access the Lent Calendar. Each day has a different verse and a different dollar amount. Please let us know that you are participating via email, phone call, or social media. This is a really fun way to stay on track this Lent and help us reach our goals!
Welcome to a Night in Vegas featuring poker, blackjack, craps, and roulette. The red carpet will welcome you inside to a night of gaming and fellowship. We will have sensational food and beverages for you to partake of throughout the evening. With the sounds of Sinatra and the feel of Vegas, this night is sure to be one for the books. Break out the gowns and button ups because you’ll want to grab a photo of you and your friends in our on-site photo booth. Attendees are encouraged to eat, drink, and be philanthropic!
Our fundraising will go directly to supporting our housing and education programs here in Jackson County. With a goal of raising $10,000 from guests alone, we will have our work cut out for us. Be bold like Sinatra and let’s raise some money!!
Meet the Cofer family. They have been married for almost thirty-nine years and seventeen years ago they became Jackson County Residents. We received their application as a referral from Jackson EMC as they were in need of a handicap ramp. This particular project was tough to complete due to nasty weather conditions. It seemed like every week brought rain or frigid temperatures, things our volunteers and staff are awesome for enduring. This family was phenomenal to partner with.
As a reminder, each family signs a partnership agreement prior to the work being done to ensure they understand the scope of the project and the costs associated. No project is free. Our partner families contribute a down payment of $50 and then agree to make affordable, interest-free, payments on materials costs. The payback is determined by their income and often times families only pay a portion of the costs back to JCHFH. It requires faithful donors to help with the upfront costs to make these projects sustainable.
Back to the Cofer’s, while they were not able to assist, physically in the building of their ramp they did take their sweat equity seriously. On several occasions, they have provided coffee, lunch, and brownies to our worker bees as an additional thank you/payment. It is not every day that we see this level of generosity from our partner families. The Cofer’s were just SO thankful for each person that came to give time to make their home more accessible. Unfortunately, Mr. Cofer has had to make a few hospital visits lately but it goes to show the effectiveness and need of our program. They truly needed this ramp and again, our donors made it possible for us to act quickly.
These stories are not fiction. Mrs. Cofer is beyond sweet and forever grateful as is her husband and they really needed our help. Jackson County Habitat for Humanity exists for this very reason. And our leadership is working diligently to grow this organization in a way that ensures more families like the Cofer’s can get the help they so desperately need.
If you have not given to support this cause now is the time. We would love for you to join us in this effort. Jump over to our Hope Builders Club page to find out how.