What is Habitat for Humanity International?
Habitat for Humanity International is a nonprofit, ecumenical Christian housing ministry. HFHI seeks to eliminate poverty housing and homelessness from the world, and to make decent shelter a matter of conscience and action.
Habitat invites people of all backgrounds, races and religions to build houses together in partnership with families in need.
Habitat has built more than 250,000 houses around the world, providing more than 1 million people in more than 3,000 communities with safe, decent, affordable shelter. HFHI was founded in 1976 by Millard Fuller along with his wife, Linda.
How does it work?
Through volunteer labor and donations of money and materials, Habitat for Humanity of Navarro County builds simple, decent houses with the help of the homeowner (partner) families. Habitat houses are sold to partner families, using no-interest loans. The homeowners' monthly mortgage payments are used to build still more Habitat houses.
Habitat is not a giveaway program. In addition to a down payment and the monthly mortgage payments, homeowners invest hundreds of hours of their own labor, sweat equity, into building their Habitat house and the houses of others.
What does a Habitat house cost?
Habitat houses are affordable for low-income families because there is no interest charged during the length of the mortgage (making homeownership possible for families that would not qualify for a traditional mortgage). Mortgages are calculated based on the actual value of the home, with payments determined following a HUD guideline for affordablity. The mortgage length is generally 20-30 years.
How are the partner families selected?
Families in need of decent shelter apply to local Habitat affiliates. The affiliate's family selection committee chooses homeowners based on their level of need, their willingness to become partners in the program and their ability to repay the loan. Every affiliate follows a nondiscriminatory policy of family selection. Neither race nor religion is a factor in choosing the families who receive Habitat houses.
If your family, or a family you know, is in need of decent, affordable housing, contact the Habitat office at (903) 872-4690 to learn when our next open application period will be held.
How are donations distributed and used?
Donations are used as designated by the donor. Whether monetary or material, Habitat for Humanity of Navarro County strives to be a good steward of those gifts so that they best benefit the sustainablity of our affiliate. Gifts received by HFHI that are designated to a specific affiliate or building project are forwarded to that affiliate or project.
What income levels are used in determining if a family qualifies to partner?
The Navarro County average annual income from the year before, broken down by the size of the family applying for the home.