A non-profit homebuilder, Habitat for Humanity Heartland Ontario partners with lower income families and individuals, who cannot afford a conventional mortgage, to build and buy simple, decent quality, affordable homes through an affordable mortgage. With monthly payments starting at 30% of the total household income, the Habitat homeownership solution not only helps to provide affordable housing for people in need, it enables lower 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:
"At this time, we are ONLY accepting applications for 2-bedroom units."
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, maintaining affordability.
Factors for consideration:
Each applicant selected for homeownership with Habitat Heartland Ontario is called a Future Homeowner (FHO). Future Homeowners are considered our greatest Ambassadors and as such are asked to help us with a variety of initiatives that advance our mission.
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
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 you qualify to move onto the next step, you will receive an automated response inviting you to join our virtual Information Session. The sessions are held on the first Wednesday of every month at 6pm on Zoom. If you are unable to join us at the next meeting, the link will be valid for you to join us the following month.
The Information Sessions are held to explain the full process for applying to the Habitat Homeownership Program and answer any questions you may have. Attendance is mandatory in order to be considered to move onto the application process. If you are unable to attend a live session, please reach out to one of our Homeowner Services Coordinators.
For Middlesex, Oxford, Perth and Elgin counties please email: firstname.lastname@example.org or call 519-759-8600 ext. 522.
In the counties of Brant and Norfolk, please email: email@example.com or call 519-759-8600 ext. 532
NOTE: All applicants will be asked to provide personal information, if they move forward in the application process. Some of the items that will be required are: