Provide simple, descent homes in partnership with those in inadequate or substandard housing.
A world where everyone has a decent place to live.
Habitat builds houses alongside families who demonstrate need and willingness to partner with Habitat. Families invest hundreds of hours of their own "sweat equity" labor into the houses. Their monthly mortgage payments help fund the construction of more houses. Inadequate shelter binds a family in struggle. A Habitat home frees them to enjoy self-reliance and self-respect. Children benefit, neighborhoods are changed and communities are improved.
Modeled on biblical principles, Habitat's solution to the blight of substandard housing is popular with people for many political, professional, ethnic, religious and economic backgrounds. This is the essence of Habitat -- inviting diverse individuals to find common ground through using a hammer, sharing a common goal, and building relationships as well as houses.
Habitat fosters reconciliation as people join together to build houses.In Northern Ireland, Protestants and Catholics work side by side on Habitat building sites. In Jordan and Egypt, Muslims and Christians are building bridges of hope. In South Africa, black and white residents heal wounds and form bond of friendship with their neighbors. And in Cottage Grove, we are working to make a difference in our own backyards.
Together we can build our community into a place that welcomes everyone. Together we can help our neighbors. Together we can make the world a better place, one home at a time.
The selection of families who will purchase a home from the Cottage Grove Area Habitat for Humanity will be done by the Family Selection Committee in a way that does not discriminate on the basis of race, gender, age, disability, marital status, sexual orientation, or because all or part of the applicant's income is derived from public assistance programs.
You will be considered for a Habitat home if your present housing is not adequate and if you are unable to obtain adequate housing through other conventional matter. Lack of adequate housing may include problems with the present structure (water, electrical, sewage, or heating systems) or failure to meet city property maintenance standards. Habitat's Family Selection Committee also takes into consideration the number, ages, and genders of children compared to the number of bedrooms in your present home.
The percentage of your monthly income that you currently spend on housing is a consideration in determining need. You will be required to openly and fully disclose your financial situation to a Habitat interviewer. The minimum income required to qualify is 30-60% of the Lane County median income which is $50,000. The actual income requirement will be based on family size.
You must be a legal resident of the United States and currently lie in the geographical area served by the Cottage Grove Area affiliate.
Ability to Pay
Since you will be buying your home from Habitat, you must demonstrate the ability to pay the monthly mortgage payment. This monthly payment will include the mortgage payment as well as the payment for real estate taxes and insurance. We will help you determine if this payment will jeopardize you ability to meet your family's other financial obligations and expenses. We also can help you to develop a budget that will help determine your eligibility. There is no interest on loans for Habitat homes.
Willingness to Participate as a Partner with Habitat
When selected, you become a "partner family" in the Habitat program. To become a "partner family," you must complete a minimum of 400 volunteer hours which will count toward your total "sweat equity" contribution.
Your participation in constructing your home and the homes of others is called "sweat equity," and may include clearing the lot, painting, helping with construction, providing food for volunteers or working in the Habitat office. You and your family must work at least 400 "sweat equity" hours before you can move into your new home. One half of these volunteer hours must be earned by your immediate family; the additional hours can be credited to your family by your extended family, friends, and coworkers.
You will be responsible for the maintenance and repairs of your house from the time you move into your home and thereafter. This is a continuing requirement! One your family is selected, the Family Support Committee will maintain an ongoing relationship with which may include financial counseling and household maintenance education.
Do you qualify?
1. Do you live or work within the Cottage Grove Area affiliate boundaries?
2. Are you living in inadequate housing? Is your current housing unsafe? Are you over-crowded? Do you pay too much for rent?
3. Do you have adequate monthly income? (Income requirements vary depending on your family size)
4. Are you willing to partner with Habitat by contributing 400 hours of "sweat equity" on Habitat projects, including construction of a home for your family?
If your answers are "Yes," then you might qualify for a Habitat Home!
Watch our FaceBook page to see when we are accepting applications for our next build.
A Brush with Kindness provides repair services to low-income homeowners whose circumstances have changed due to age, disability, or financial status, and who struggle to maintain the exterior of their homes. We keep the costs low by providing volunteer labor, using donated materials, selecting projects ranging from $250 to $1,500, and offering a 0% interest payment plan to the partner homeowner.
Types of projects include:
- exterior painting
- landscaping and yard cleanup
- accessibility ramps
- gutter repair
- fence repair
- other projects as needed
We select home-repair partners based on three criteria:
- Willingness to partner with Habitat
- Ability to pay for services with a 0% interest payment plan