Frequently Asked Questions

Answers to the questions we hear most often

Questions You May Have

If you’re considering applying for a home through Habitat, you likely have questions, so here are some of the most common questions we hear. If you don’t see the information you’re after, be sure to contact us and let us help.

Where does Habitat for Humanity build houses?

Our local affiliate currently builds in Greater Stark, Carroll, Harrison, and Jefferson Counties.

Does Habitat give homes away?

No. Habitat for Humanity provides a zero-interest mortgage for which our partner families invest what we call “sweat-equity” by completing Homeowner Maintenance Education courses, working on their homes, and working on the homes of other partner families. Once a homeowner receives the keys to their home, they must make on-time monthly payments toward that zero-interest mortgage.

I don't have any children. Can I still apply for a home?

Yes. Habitat for Humanity of Greater Stark and Carroll Counties is an Equal Housing/Equal Opportunity lender and does not discriminate against anyone based on race, religion, source of income, or family make-up.

Do I have to be a Christian to purchase a home through Habitat for Humanity?

No. Habitat for Humanity is a ministry whose foundation is built on Christian principles. The faith background of applicants is not considered as Habitat does not discriminate based on religious affiliation. We welcome people of all faiths to become involved with our ministry.

What if I have filed bankruptcy?

Filing bankruptcy does not disqualify you. However, we require that you be two years past the discharge of your bankruptcy before we can partner with you.

Will a low credit score prevent me from qualifying?

No. Habitat does not use credit scores to qualify a family. Habitat evaluates a family’s application by looking at their debt-to-income ratio. This ratio will show if a family’s debt is manageable, meaning that a family can pay on both their debt and their mortgage every month. A family that has a high debt-to-income ratio can work to reduce their debt and re-apply at that time.


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