How the Habitat program works in the Fort Hood Area
Habitat for Humanity
Habitat for Humanity was formed by Millard Fuller in 1976 and although there are over 2,000 affiliates throughout the world, each affiliate is an independent entity with its own policies, procedures and organization. The description below is of the Fort Hood Area Habitat for Humanity, Inc. Our polices, procedures and organization follow the basic mold of most Habitat affiliates, however, it should not be assumed by the reader that all Habitat affiliates operate the same way. There are often great differences between affiliates, especially relative to their size and the size of the communities they operate in.
10 Key Facts about Habitat for Humanity
1) Habitat for Humanity is a Christian ministry. CHRISTIAN MINISTRY Habitat brings together all kinds of people in the service of God. Persons of different faiths, ages, races and backgrounds put aside their differences and agree on the hammer as an instrument of God’s love. “Our love should not be just words and talk; it must be true love, which shows itself in action.” 1 John 3:18
2) Total Number of Habitat for Humanity homeowners who have gotten their homes for free: 0
NO FREE HOMES Habitat works because it enables people to become homeowners and to improve their life. It is a hand up, not a hand out. Habitat for Humanity is a nonprofit, ecumenical Christian housing ministry. Habitat invites people from all walks of life to work together in partnership to help build homes with families in need. All Habitat homes are sold to the homeowner at zero percent interest.
3) Habitat Homeowners Must Qualify. Partner families are selected based on three primary criteria. The family selection committee reviews the applications and completes a home visit and credit check as a part of the selection process. Habitat for Humanity follows all fair housing laws in selecting families.
a. Have the ability to repay. Habitat for Humanity partner families are low income, but have enough income to make a house payment and pay their bills.
b. Be willing to partner. Partner families perform 300-400 hours of “sweat equity” which is work on their Habitat home and other families’ homes.
c. Have a need for housing. Partner families must have a need for housing. Specifically where they live now is not adequate due either to overcrowding, unsafe, or unaffordable housing.
4) Number of Habitat affiliates in the United States: more than 1600
COMMUNITY BASED While Habitat for Humanity International has a worldwide mission, it is based on the philosophy that communities should work together to solve the problems in their community. Habitat is based on partnerships formed in the community to address issues of homelessness and poverty housing. Within the community, businesses, churches, service organizations, and individuals all partner to make one of our homes a success.
5) Average price of a Habitat home in the Fort hood Area is $39,000 The average price of a home in the Fort Hood Area for the year 2000 was 79,000. AFFORDABLE HOUSING. We are targeting families who could not afford or qualify for a conventional loan to buy a home. Our homes cost less for several reasons:
a. We build homes with volunteer labor, both skilled and unskilled. This allows us to save the single greatest cost of building a home, labor. The tremendous cost of skilled labor associated with a home is a major reason homes cost so much. A Habitat work day is much like an old style barn raising where members of the community come together to help a member of the community.
b. Our mortgages are zero interest. Homeowners pay back the amount it cost us to build the home. These mortgage payments are put back into the Habitat program to build more homes for more low income families.
c. A great many individuals and businesses donate time, materials and services to us for free or at reduced costs which allows us to build for a lower price.
6) The Habitat for
Humanity program completed its 100,000 house in 2000. In the Fort Hood
Area, we will complete our 21st home in 2003. Linda and Millard Fuller
started the WORLD WIDE MISSION of Habitat in 1976 with the goal of eliminating
substandard housing and homelessness in the world. This goal may sound
unattainable, big, but look how far we have come! There are 1677 affiliates in
the United States. 100,000 Houses have already been built!