How long does it take to complete a home?

             Typically 6-9 months. There are a number of variables that contribute to how quickly a home is completed.

What is Sweat Equity?

              Sweat Equity is your investment in Habitat's work and mission; it is also an expression of your partnership with Habitat for Humanity of Greater Centre County.  Your sweat equity is as important to the process of becoming a Habitat homeowner as is your down payment.  Once approved as a partner family, you must complete 60 hours of volunteer work for Habitat before ground is broken on your home.  A total of between 350-500 hours is required before you can move into your home. 

What kind of work might sweat equity include? 

              Sweat Equity hours can be earned in a number ways;  this is just a short list of possible ways to earn sweat equity.

• Construction work
• Attending education programs and training sessions approved by Habitat
• Assisting at the Habitat ReStore or office
• Participating in fundraising activities and public speaking

How much does a Habitat home cost?

            Habitat houses are sold for what they cost to build.  The actual dollar amount varies depending on the specific project.  Homeowners make a $500 down payment.  Payments to Habitat will be no more than 30% of your income.  The mortgage could range in length from 15 years to 30 years.  Homeowners' payments consist of the mortgage loan amount (principal), real estate taxes and homeowner's insurance (escrow).  As homeowners make their payments, the money is reinvested to build or rehabilitate houses for future Habitat families. 

Do I/we need a good credit score to qualify for a house? 

           We all have some debt such as an auto loan, credit cards, or a student loan.  All of these may negatively affect your credit score.  HFHGCC will pull a credit history in order to determine how you may have accumulated debt and how you have handled overdue accounts in the past.  It may be determined that your debt load will impede your ability to to take on more debt - a mortgage.  

Can the design of the house be changed? 

            Habitat will choose the design of the house in accordance with the size of the lot and available funding.  No change in design will be considered unless a partner family requires structural modification for a handicapped family member.  Homeowners may choose the shingle color, siding color, and in most cases the flooring.  

Can only families with children apply? 

            People qualify for a Habitat home by needing adequate, affordable housing, being able to pay for their mortgage in addition to other monthly expenses, and have a willingness to partner with Habitat to build their home and support the Habitat mission.  Habitat for Humanity of Greater Centre County does not discriminate against race, color, religion, sex, familial status or national origin.