Do you know someone who lives in a substandard home who might qualify for a Habitat home? Do you want to know if you might qualify?

• The selection of Habitat families is based on the need for a decent place to live, ability to pay a no-interest mortgage, and willingness to work 200 hours of "sweat equity" for each family member 18 years or older in partnership with us (minimum of 250 hours) as we build a home together.

• We build simple decent homes with volunteers doing most of the construction.

• The mortgage is based on the actual cost of construction.

• At the closing, the family must pay a down payment of 1% of the cost of the house as well as the cost of the first year’s homeowners' insurance.

• We build homes in Debary, Deltona, Enterprise, Orange City and Osteen and have built over 30 homes since 1990.

• Besides helping to build houses here in our community, we help people of other countries have a decent place to live through the tithing of our income. Each quarter we send a tithe to Habitat for Humanity International in Americus, Georgia.
• If you think you might qualify to become a Habitat homeowner, call the office at 386-774-1553, and ask for an application to be sent to you.

Income Guidelines

Revised: June 2011

The minimum income needed to qualify for our homes is $23300.

Guidelines based on FY2011 HUD Data for:  Deltona-Daytona Beach-Ormond Beach, FL Service Area

Family Selection Criteria

1. Applicants must have been residents or worked in SW Volusia County (DeBary, Deltona, Enterprise, Orange City, and Osteen) for one year.
2. Applicant must lack adequate shelter.
3. Applicant must have ability to repay a mortgage as indicated by the income guidelines.
4. Family must be willing to participate as a partner with Habitat.  This includes:  working sweat equity hours– 200 hours per adult (over 18), making a down payment, making timely house payments so that more homes can be built, attending family support sessions, and maintaining the home.
5. Participant must be able to make a down payment and pay first year insurance in advance.
6. Applicants must show steady income record for one year in the Central Florida area.