Habitat for Humanity is an ecumenical Christian housing ministry dedicated to building simple, decent, affordable housing for people in need. Our volunteers and our future homeowners are people of all faiths, and people of no faith. The Habitat program is not a "quick fix," nor is it a "give-away" program.
Applicants must be residents of Citrus County for at least one year before filing an application and must first attend orientation. Approvals are based on the following three selection criteria:
+ Need: inadequately housed, overcrowded or cost-burdened.
+ Ability to pay: steady source of income, payment history, credit-worthiness and amount of debt.
+ Willingness to Partner: Each family is required to contribute 500 hours of "sweat equity." This includes homeowner education classes, 30 hours of community service and 100 hours working on someone else's home. They must contribute a minimum of 30 hours sweat equity in a three-month period.
Our homeowners pay a down payment, closing costs and pay for an interest-free mortgage, taxes and insurance.
I have a lot of admiration and respect for families willing to make the sacrifices required of this program. I pray that, after reading this article, that you do, too!
Please, be a blessing to your fellow man. Donate your time, your talent and your resources to those of us trying to help others help themselves.
If you have questions or comments, please e-mail me at hfhccatlantic.net or call 563-2744. Thank you, and God bless you.
+ Editor's note: This monthly article is provided by Lorna Nimmo, executive director Habitat for Humanity of Citrus County, Inc. Contact her by e-mail hfhccatlantic.net or call 563-2744.