Join Our Community

No, but if you meet the criteria and are accepted into the Homeownership Program, you will purchase a home with a 0% interest mortgage. The length of the mortgage can vary from 20-30 years depending on the house price and your family income. Depending on the home selected, monthly payments (including taxes and insurance) are normally between $450 to $600. 

All of our homes are simple, decent and affordable homes for you and your family. Some homes are existing homes that are renovated so that no major repairs are needed for at least 10 years. Some homes are built new as 3, 4 or 5 bedrooms depending on your family size. If needed, homes can be built or renovated (when possible) to ADA standards. 

All homes are in Hancock County, primarily in Findlay and normally in the Findlay City School District. There are periodically homes available outside the city limits. 

The application process can take up to a few months (partly dependent on you) and then, if approved for the program, it takes at least 12-18 months to purchase a home. The completion of your home will depend on the overall construction schedule and other variables including funding sources, building requirements, and whether it is a new build or rehab of an existing home. 

Yes. Once the application is filled out at the application meeting, the Family Services Manager will review your income and pull your credit report. However, we do not pull a credit score.

To receive a free credit report, visit CreditReport.com

Once approved for the program, each Partner Family will be required to complete at least 400 sweat equity hours (volunteer hours) prior to closing on their house. As part of Sweat Equity, Partner Families attend required monthly education and financial education meetings and communicate twice a month with a Support Partner who is a volunteer that helps each Future Homeowner through the program.

We also ask Partner Families to demonstrate a Willingness to Partner. This includes advocating for Habitat for Humanity and decent housing, fulfilling requirements and communicating any changes in your life (job, family, health) to us in a timely way.

Sweat Equity is the way that you partner with us and work alongside team members and volunteers. Each Future Homeowner must complete at least 400 volunteer sweat equity hours. Friends and family may help work some of these hours.

Sweat equity is completed primarily through:

• volunteer hours on construction sites, especially on your future home
• volunteer hours in the office and at ReStore
• required educational classes each month that provide information about the responsibilities of homeownership, home maintenance, and mortgage documents
• required financial management class which is incorporated into the monthly classes
• attendance at the Home Blessings and Home Dedications for your home as well as for other Future Homeowners
• all required work is modified to the abilities of each future homeowner

Through Sweat Equity, you are preparing for the jump into homeownership.