HabitatPEH

Our Goal

  • To provide simple, decent, affordable homes for qualified families. How Does Habitat Work?
  • Habitat for Humanity sells homes to chosen partner families at Fair Market Value with no down payment required and no interest charged on the mortgage.
  • Mortgage payments are based on 25% of the family’s annual income with an approximate 25-30 year term of the mortgage.
  • Each chosen family is expected to complete 500 hours of Sweat Equity prior to moving into the house.
  • Each chosen family is expected to learn, with assistance from Habitat, and to accept the responsibilities of home ownership.

To Qualify

To apply for a Habitat Home, you must meet the following criteria:

  • Your family needs better housing
  • Your family has a steady income, but you do not qualify for a mortgage from a bank or a mortgage lender
  • At least one of the applicants shows a consistent work history
  • Be willing to contribute 500 hours of sweat equity
  • All members of the family must be Canadian citizens or have Landed Immigrant Status
  • The family has lived in the area continuously for the past year

Sweat Equity Is…

  • Chosen families volunteering in the building of their own home.
  • Working at the ReStore as a volunteer, helping at Habitat events, and so on. Attending educational classes arranged for new homeowners related to budgeting, home maintenance and repairs.
  • All of the above activities can go towards making up the total of 500 required hours.
  • Relatives and friends can contribute up to 100 of the 500 required hours.

How to Apply for Homeownership

STEP 1: REVIEW ELIGIBILITY CRITERIA CONTAINED ON THIS WEBSITE

The following information may help you decide whether Habitat Homeownership is right for you and your family.

Should I register? Here are some questions to ask before you register for a Homeownership Information Session.

View Application Process

 

STEP 2: ATTEND AN INFORMATION SESSION

Families who are interested in applying for Habitat home in Hastings and Prince Edward Counties must first attend a Homeownership Information Session, where they will then receive an application package.

Register for a Homeownership Information Session

 

STEP 3: SUBMIT A COMPLETED APPLICATION

Applications for Homeownership will be distributed at the end of each Homeownership Information Session. Once you’ve attended an Information Session and completed the application you may submit it along with all requested documentation to the Affiliate Office at: 365 Bell Blvd., Belleville.

STEP 4: APPLICATIONS REVIEWED

A committee of volunteers called the Family Selection Committee will conduct a thorough review of each submitted application. The selection process includes:

  • Review of all financial records to determine an applicant’s financial stability
  • Conduct home interviews to assess level of need
  • Request police record check for all adult members of household
  • The Family Selection Committee deliberates to decide if basic eligibility criteria are met and make recommendations to the Board of Directors for approval.

THANK YOU to our Sponsors

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WHAT'S HAPPENING at Habitat PEH