Frequently Asked Questions
How are Habitat future homeowners chosen?
Habitat families are families in need of affordable housing who want to help themselves and others to become homeowners. They must fill out a Home Application Form and send it to our Family Services Manager.
In the application form we ask about:
- The family
- Financial and employment situations
- Current housing conditions
- Willingness to partner with Habitat in future projects
How are applications screened?
Applications are screened for eligibility based on three basic criteria:
- Degree of a family’s need
- The ability to pay a long-term, interest-free mortgage
- A family’s willingness to contribute 500 volunteer hours (350 hours for single-parent families) to Habitat GO and to be a good will “ambassador” for us.
How long does it take to apply for a Habitat home?
The application process is thorough and can take as long as four months. Applications are accepted throughout the year. Please call 613-749-9950 ext. 225 for more information. The Family Selection Committee, composed of dedicated volunteers from the community, review all applications and then make a recommendation to the Board of Directors.
What is involved with the volunteer hours?
Habitat GO requires each family to commit 500 hours of their time volunteering for the Habitat affiliate. Single-parent families need to complete 350 hours There is no compensation for these volunteer hours. Examples of how to accumulate volunteer hours include: constructing one’s own home or the homes of others; participating in publicity and fundraising events; office work; volunteering in our ReStores; and attending family orientation meetings. Family and/or friends can also contribute required hours.
How much would a monthly mortgage payment be?
Habitat homes are sold to families based on the appraised value of the house. The long-term mortgage is repaid with monthly payments that are based upon the family’s income and will never exceed 25% of the total household income. Monthly mortgage payments include house payments, insurance and property taxes. Habitat GO reviews the monthly amount paid once each year.
Can I sell my home after having lived in it for a few years?
Habitat GO retains all rights on the house should the homeowner wish to sell via its “Buy Back Policy.” Habitat GO has first right of refusal on the home and will in turn sell that home to another deserving Habitat GO family.
Must total income be reported or just full-time income only?
Habitat GO looks at total household income, including, but are not limited to child tax credits, support payments, disability pensions as examples. Homeowners must disclose all income of all family members.
Is there an age limitation established for children when they are living at home?
There are no age limitations, however, Habitat’s mandate is to help break the cycle of poverty for families with younger children. Habitat GO uses household income of all adults living in the home.