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FAQ

How much does a habitat home cost to build?

It costs approximately $60,000 to build a 3-bedroom, 1,070 square-foot Habitat house, exclusive of land and infrastructure costs through the Springfield/Eugene affiliate. Homes are built with up-to-date materials and building techniques.

How does one become a Habitat Partner Family?

Habitat selects partner families (family includes single individuals) based on 3 criteria – Need, Willingness to Partner, and Ability to Pay. Applications are accepted as openings for families occur. Check our website or call the office at 541/741-1707 for availability. The Family Selection Committee reviews eligible applications, makes a home visit, and makes recommendations to the Board of Directors who make final selections of families. Habitat’s current goals are to build 4 houses per year.

Need is determined based on the applicant’s income and current housing situation. Income levels are from 30% to 60% of the median area income adjusted for family size. The housing component includes factors such as unsafe or substandard conditions, overcrowding, and percentage of income spent on rent.

Willingness to Partner includes willingness to contribute 400 hours of volunteer time (sweat equity) for a one adult family and 500 hours for a two adult family. Homeowner education sessions, helping with Habitat’s newsletter, and helping build their own home and those of others are examples of sweat equity activities.

Ability to Pay is a reflection of income stability and credit history. Habitat offers zero percent interest mortgages and makes no profit on the home. Homeowner payments include the monthly principal amount and escrow payments for property taxes and homeowner insurance.

Additionally, applicants must currently live in our local affiliate service are or have worked in our service area for at least one year. They must be citizens or legal residents of the United States.

Applicants are selected without regard to race or color, religion, sex, national origin, marital status, sexual orientation, age, or disability.

W e believe all God’s people deserve a basic, decent, affordable home.

How big are the homes?

Habitat houses are modest in size. A 2-bedroom house is typically 900 sq. ft, a 3-bedroom is 1070, and a 4-bedroom is 1,250. House size depends on family size and configuration. Floor plan designs are kept simple and straightforward to keep costs down.

Does Habitat give away homes to the poor?

Habitat for Humanity offers a homeownership opportunity to families unable to obtain conventional house financing whose income is 30 to 60 percent of the area's median income. One adult families contribute 400 hours of "sweat equity" on the construction of their home and someone else's home and other volunteer work with Habitat. Two adult families contribute 500 hours. Each Habitat homeowner has a zero percent, no profit mortgage; pays local property taxes; and maintains homeowner’s insurance. Donations of materials and labor also help keep mortgage payments affordable.

Do Habitat homes reduce property values in their neighborhood?

Low-cost housing studies in the United States and Canada show affordable housing has no adverse effect on other neighborhood property values. In fact, Habitat houses have increased property values and local government tax income.

Do families succeed as homeowners?

Habitat families take great pride in their homes. Of the more than 300,000 Habitat Houses built around the world so far, only 1.18% have resulted in foreclosures – Springfield/Eugene Habitat for Humanity has not foreclosed on any Habitat homeowner. The families' success as homeowners can be measured in many ways. One can see it in the good care they take of their homes. Children's grades and personal expectations for their own lives often improve when they move from a substandard, crowded or high crime situation into a simple, decent affordable home. Partner families gain not only equity, but also personal confidence and satisfaction from helping to build a house and then becoming proud homeowners .

Do you have to be a Christian to own a Habitat home?

Habitat for Humanity was founded on Christian principals and many volunteers support Habitat as a way of putting their faith into action. However, homeowners are chosen without regard to race, religion, ethnicity, disability, age, marital status, or sexual orientation, in keeping with U.S. law and with Habitat's abiding belief that God's love extends to everyone. Habitat also welcomes volunteers from all faiths, or no faith, who actively embrace Habitat's goal of eliminating poverty housing from the world.

Can a homeowner sell their home?

Yes, homeowners can sell their Habitat home. However, there are restrictions protecting the value of volunteer and donor contributions, and general affordability covenants.  Springfield/Eugene Habitat retains the “right of first refusal” in all instances where the homeowner wants to sell the house. This gives Habitat the opportunity to buy the home back from the homeowner for use by another Habitat family.

How does Habitat use income from mortgage payments?

Habitat homeowner mortgage payments help support the affiliate in continuing its mission to build safe, decent, affordable homes for low income members of our community. This helps Habitat homeowners provide others families with a helping hand, just as others offered their support to them.



 

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