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Affordable Homeownership Program For Hard-Working Families

The Habitat homeownership program is specifically designed for families who do not qualify for a conventional mortgage.The three key criteria utilized to determine the suitability of a family for a Habitat house are:

Habitat homes are sold to eligible families at the assessed value of the house with no down payment and an affordable, interest-free mortgage.

Need

Applicants living in substandard housing are given preference. Those currently living in subsidized housing may also be eligible. You must have been living in the community where we are building for at least one year. Some of the factors considered are:

Willingness To Partner With Habitat For Humanity

Some of the factors considered:

Ability to Pay

Habitat Mid-Vancouver Island does not want to put a family into a situation they cannot afford. “Ability to pay” means that:

Volunteer Hours

Volunteer hours involves the hands-on involvement of future homeowners in the construction of their own homes, as well as participation in other Habitat and community activities. 500 volunteer hours are required prior to getting a mortgage, which represent the future homeowner’s commitment to their Habitat home and community. Volunteer hours are designed to meet three goals:

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