WHO QUALIFIES FOR A HOME?
Maybe you!

 

There are a lot of myths about Habitat houses and who owns them, so we would like to clear up some of the confusion.

Myth #1: Habitat houses are free. No, they are not! A Habitat home is SOLD to the homeowner, who then has a mortgage to pay, as well as taxes and insurance. Just like any other homeowner, but our payments are lower because we do not charge interest on the loan. A typical Habitat house payment averages about $325 per month.

 

Myth #2: Habitat homes are for poor people. A family qualifies for a Habitat home based on their income. Habitat serves families who would be described as low income—you are working, providing for your family and doing the best you can but just don’t make enough to buy a home on your own. Habitat is a hand up, not a hand out.

 

Myth #3: Credit doesn’t matter. Yes, it does! We don’t worry about your credit score, but we do look at your credit. If you are already drowning in debt, giving you another payment is not going to help you!

 

Myth #4: Habitat Homes are built cheap. Are you kidding? Habitat homes are built from the same materials custom builders use and are very energy efficient. Our homes must pass the same inspection standards as any other home built in Wichita Falls. Yes, they are built with volunteer labor but our volunteers are awesome!

 

Myth #5: Habitat homes are all the same. No, you can personalize your home as you go through the building process. Our families choose their blueprint, their exterior paint colors, their flooring, kitchen countertops and back splash. Once complete, it truly is YOUR home!

Myth #6: There is a long waiting list. Not really, at the current time it takes approximately 12-18 months from start to finish. A lot of the time depends on you!