Habitat For Humanity – FAQ

What is ReHabitat?

ReHabitat is our critical repair program. Funded by grants, ReHabitat makes critical repairs on homes of low-income seniors, veterans and people with disabilities.

What are Habitat homes like?

Habitat homes are large enough for the partner family’s needs but small enough to keep construction and maintenance costs to a minimum. Our three or four-bedroom, two-bath homes are approximately 1,300-1350 square feet. All of our homes are single story, wood frame structures that earn the highest energy ratings possible.

Who holds the mortgages on the homes Habitat builds?

Habitat for Humanity of Smith County holds the mortgages on all of the homes that we build.

Who builds Habitat homes?

Habitat homes are built primarily by volunteers and the partner family.

How long does it take to build a home?

Depending on weather, it takes approximately 10 to 12 weeks to build a home.

Where do you get the money to build a home?

Habitat homes are sponsored by businesses, corporations, churches, civic organizations and private foundations that donate money to cover the cost of construction. Sometimes the funding for a home comes from one source, but more often it comes from several sources joining together to build a home.

What are the qualifications for becoming a partner family?

Families who qualify to build and purchase a Habitat home must meet the following criteria:

  • Legal resident of Smith County for at least one year
  • Employed with an annual income of 30% to 60% of the median income of Smith County residents (between $15,000 and $30,000 annually)
  • Demonstrated need for a home
  • Ability to make monthly mortgage payments
  • Pass credit checks and criminal background checks
  • Willingness to invest 350 to 500 “sweat equity” hours in the building of their home and other Habitat homes

What does Partner Family mean?

A partner family is a family that has completed the application process and been qualified to partner with Habitat to build and purchase a home.

Who gets to buy a Habitat home?

Habitat homes are sold to a partner family at zero percent interest. Partner families must meet a rigorous set of criteria before being approved to purchase a Habitat home.

Do you give away homes?

No. We build homes with people in need and sell them through a no-profit, interest free mortgage.