Home Application
Currently Habitat for Humanity of Oscoela County is not taking new applications as we are building homes for families who have already qualified. Please continue to check this web site for dates when we will begin taking new applications.

Thank you for your understanding and prayers.

Habitat builds homes in partnership with very-low income persons. Very-low income persons are people who have incomes of 50% or less of the median annual income of households in Osceola County. Because Habitat uses volunteer labor and donated materials whenever possible, simple decent houses can be built at an affordable price. Habitat does not charge a profit on the sale of the home nor does Habitat charge interest on the mortgages, this allows families to buy the homes on a 20-year mortgage with monthly payments usually below what they are paying for rent, including homeowner insurance and property taxes.
The payments made by homeowners on their mortgages are used to help build houses for other homeowners. In order to qualify for a Habitat house, a potential partner must:
Live in substandard housing
Have enough income to make minimum payments of $350.00 monthly, but not enough to qualify for conventional financing of a home
Be willing to work with Habitat by putting in a minimun of 350-500 hours of "sweat equity" on their home or the home of another homeowner
Habitat also requires that the homeowner pass a credit screening. This screening is done through the Family Selection committee. Finally, before moving in, each homeowner must supply a
$500.00 down payment for the home.
Those wanting to be considered for a Habitat house begin the process by submitting an application to the Family Selection Committee. Those who meet the Habitat criteria receive a home visit by volunteers to determine whether their current housing is substandard. After the screening, the Family Selection Committee determines whether to recommend the family to the Board of Directors for initial approval. If approved, the families begin to work on their "sweat equity" hours.
After completing 250 "sweat equity" hours, the family is assigned to a build, which may be a house built by the Board and community volunteers, or may be a sponsored house. A sponsored house is one in which a church or other group agrees to raise $50,000 and to provide volunteer labor. The family then begins to work with the Construction and Site Selection Committees to determine where the house will be built and the design of the house. The final 100 hours of "sweat equity" should be performed on the homeowner's own home.

Habitat is an equal opportunity housing provider. Habitat does not discriminate on the basis of race, sex, color,
age, handicap, religion, national origin, family status or marital status, or because all or part
of the family income is derived from any public assistance program.