A hand up, not a hand out!
One of the most common misconceptions about Habitat for Humanity is that our houses are given away.
This is not the case: in fact, all of our homes are sold to qualifying families in our communities! Our goal is to be an affordable option for those who would otherwise not be in a position to realize the dream of homeownership.
Three factors make the houses affordable to qualifying people worldwide:
1. Houses are sold at no profit, with no interest charged on the mortgage.
2. Homeowners and volunteers build the houses under trained supervision,
cutting the cost of the homes back significantly.
3. Local individuals, corporations, faith groups, ReStore proceeds and others
provide financial support.
Homeowner families are chosen according to their need, their ability to repay an affordable mortgage, and their willingness to work in partnership with Habitat. Habitat for Humanity does not discriminate according to race, religion, gender, sexuality, disability or family size.
Through volunteer labor and donations of money and materials, Habitat builds and rehabilitates simple, decent houses with the help of the homeowner, or - as we like to call them - "partner families". Upon the completion of construction, Habitat sells the homes to the partner families at no profit, financed with affordable, no-interest loans. Every mortgage payment goes directly back into the Fund for Humanity to continue building homes in Pulaski and Lonoke Counties.
Again, Habitat is not a giveaway program. In addition to covering their closing costs and making their monthly mortgage payments, homeowners invest hundreds of hours of their own labor before even moving into their homes.
Habitat is seeking qualified families in Pulaski and Lonoke Counties who want to realize the dream of homeownership!