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A non-profit homebuilder, Habitat for Humanity Heartland Ontario partners with low-income families and individuals, who cannot afford a conventional mortgage, to build and buy simple, decent quality, affordable homes through a no-interest, no-down payment mortgage. With monthly payments set at 25% of the total household income, the Habitat homeownership solution not only helps to provide affordable housing for people in need, it enables low-income earners to build assets, reduce their dependence on other forms of social assistance and break the cycle of poverty. Homeowners who will own a Habitat Heartland Ontario home are part of a complex selection process. We select eligible applicants based on three specific criteria:
Habitat Heartland Ontario homeowners are selected, in large part, based on their level of need. Applicants will be considered for a Habitat home if their present housing is not adequate and if they are unable to afford adequate housing through other conventional means.
Factors for consideration:
Habitat Heartland Ontario does not give homes away for free. Families must have a reliable source of income and demonstrate their ability to meet the obligations of homeownership plus any other debt obligations. All mortgages are fair market value and held by Habitat Heartland Ontario and have 0% interest and require no down-payment.
Factors for consideration:
Each applicant selected for homeownership with Habitat Heartland Ontario is called a Future Homeowner. Future Homeowners are considered our greatest Ambassadors and as such are asked to help us with a variety of initiatives that advance our mission.
Partnership requirements:
Volunteer Hours are designed to meet three goals:
Partnership — Volunteer Hours provide meaningful interaction between Future Homeowners, Habitat representatives and volunteers
Pride of Ownership — investing Volunteer Hours in their own home helps successful applicants begin the transition to ownership
Development of Skills and Knowledge — on the building site, Future Homeowners can gain an understanding of the construction of their homes and future home maintenance needs
Habitat for Humanity Heartland Ontario helps eligible low-income families and individuals build and buy simple, decent quality affordable homes through a no-interest mortgage with payments set at approximately 25 percent of gross income. This solution not only helps to provide affordable housing for people in need, it enables low-income earners to build assets, reduce their dependence on other forms of social assistance and build strength, stability and self-reliance. We invite you to join us. By working together, we can build great things. Get involved today by contacting us at: info@habitat4home.ca
Those who feel they may qualify for a Habitat home must complete the simple eligibility quiz (by clicking the green button below) to determine if they should go forward with the full application process.
These questions will help you to determine whether or not you currently qualify for our homeownership program. If so, you will be asked for some contact information in order to set up an appointment to meet with our Family Services Coordinator to learn more about the homeownership program. If you have any questions or concerns please contact us at: familyservices@habitat4home.ca or call 519 455 6623 ext 214.
Those who successfully pass through the online screening will be informed that their information will be held until an opportunity for homeownership becomes available in their area. At that time they will be invited to an information session where they may receive a copy of the full application along with a list of support documents needed. Within 30 days they will meet with the Family Services Coordinator to discuss their application and ask any questions they may have about it. If everything is complete and ready, the application will be accepted at the meeting. If there are still some details required the family will be given a further 30 days to complete the application and submit it to Habitat.
Attn: Family Services
Habitat for Humanity Heartland Ontario
2-40 Pacific Court
London, ON N5V 3K4
Incomplete applications will not be considered.
A committee of volunteers called the Family Selection and Support Committee (FSSC) will conduct a thorough review of each submitted application.
The selection process includes: