Habitat for Humanity Fact Sheet
We’re happy to answer all your questions. Here are a few of the ones we hear most often.
How does Habitat for Humanity work?
Using donated materials and labor (to the extent they’re available), Habitat for Humanity builds houses in partnership with qualifying families. The houses are then sold at no profit with a low-interest mortgage to the Partner Family. Monies generated through mortgage payments are then used to fund future Habitat homes.
Habitat is not a giveaway program. In addition to a down payment and the monthly mortgage payments, homeowners invest hundreds of hours of their own labor — sweat equity — into building or renovating their Habitat house.
Where does Habitat for Humanity operate?
Habitat is a worldwide, grass-roots organization. There are more than 2,100 active affiliates in 85 countries, including all 50 states of the United States, the District of Columbia, Guam and Puerto Rico.
What is the connection between Habitat for Humanity International and Macomb County Habitat?
Habitat for Humanity International provides information, training and a variety of other support services to Habitat affiliates worldwide, such as Macomb County Habitat. Habitat work, for the most part, is accomplished at the community level by the affiliates. Each affiliate coordinates all aspects of Habitat home building in its local area — fundraising, building site selection, partner family selection and support, house construction and mortgage servicing. Habitat International provides no funding support for Macomb County Habitat, and requires a yearly payment from each affiliate to remain in good standing.
Where does Macomb Habitat build?
We build where we can find decent, affordable land in Macomb County. Our Habitat homes to date are located in Roseville, Warren, Clinton Township, Mt. Clemens, Sterling Heights, Eastpointe, St. Clair Shores and Romeo. Using donated and/or low-cost land helps keep our housing costs affordable.
How are the partner families selected?
Families in need of decent shelter apply to local Habitat affiliates. The affiliate’s family selection committee chooses homeowners based on their level of need, their willingness to become partners in the program and their ability to repay the low-interest loan. Every affiliate follows a nondiscriminatory policy of family selection. Neither race nor religion is a factor in choosing the families who receive Habitat houses.
How much does a Habitat house cost?
Habitat houses are designed to be affordable for low-income families. Habitat for Humanity is able to provide these homes because there is no profit in the sale price and low-interest charged on the mortgage. The target is for families to be spending 30% of less of their monthly revenue on housing, including taxes, home insurance and mortgage.
Is Habitat for Humanity a government agency?
Habitat for Humanity is not a government agency. However, Habitat considers all levels of government and governmental agencies important partners in its mission to eliminate poverty housing. We encourage governments to do what they can to help alleviate the suffering of all those who do not have a decent place to live.
How can I become a volunteer?
How can I get more information?
For additional information, see other sections of this website or contact us.