Homeownership Program

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Chatham Habitat builds houses along with families who demonstrate a need for affordable housing, the ability to pay, and a willingness to partner.

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• Applicants provide income references and proof that they have lived or worked in Chatham County for at least a year. They also agree to background checks.

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• Once an application is approved, a family invests 350 hours of time and labor as a down-payment on their home, demonstrating their commitment and their ability to assume responsibility. This model helps keep the upfront costs and monthly payments low.

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• Families also agree to attend classes designed to prepare them for homeownership.

 

• When the house is completed and the criteria are met, the family takes ownership and begins making full and timely payments on their 20-30 year, interest-free mortgage. These payments are then used to fund homes for other families in need.

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Chatham Habitat considers applicants without regard to their race, religion, gender, handicap, familial status or national origin.