Through Shelter, We Empower
Housing instability — including frequent moves, overcrowding, and the threat of eviction or foreclosure — creates stress, depression and hopelessness for far too many families.
Families paying too high a percentage of their income for housing often find themselves making impossible choices. Rent or health care? Food or transportation?
A decent and affordable place to live helps families by freeing them from such physical and mental hardships and placing them on a path of new opportunity and increased confidence and self-reliance.
A family’s partnership with Habitat means they have a stable place to live and to spend time together. An affordable mortgage or small loan means they have a chance to create savings and invest in their education. A chance to invest in their lives turns into a chance to invest into the community around them.
In this manner, the shelter we provide empowers communities to thrive.
Habitat for Humanity of Madison County was established in 1987 as an affiliate of Habitat for Humanity International.
Since our founding in 1987, Habitat has been a leader in our community in the area of affordable housing. We have partnered with 272 families in need of housing to help them either rennovate or build affordable housing, this includes 203 new homes built by Habitat and an additional 65 homes rehabbed and sold to clients.
Our staff is composed of 10 full time employees working in construction, family services, finance, volunteer management and administration. The staff has 88 years of combined experience in this industry and the team at Habitat for Humanity of Madison County is incredible stable with 80% of our employees celebrating 10 years or more of working with us.
How It Works
The Habitat model is one that solves the long term concerns of sustainable and affordable housing. Homes sold to clients are sold with a 0% interest thirty year mortgage. Potential borrowers must qualify for the loan/program by demonstrating that they have a reliable source of income. Our program does not stop with simply qualifyiing for and then building a home. We partner with the families to ensure that they are set up for success.
Not only do we require that our participants help build their home by investing their “sweat equity,” we also require each applicant to complete 55 hours of homeownership and financial literacy education prior to closing on their home. The material of these classes include construction, home repairs, good neighbor and conflict resolution, landscaping, community improvement, mortgages, Dave Ramsey’s 9 week Financial Peace University and 1st Time Homebuyers class. In addition, the affiliate’s Family Services Manager is a HUD certified Housing Counselor & Educator and works directly with each applicant in the habitat program.
After the clients becomes homeowners, our Family Services Staff is available to provide guidance and education on financial and social services concerns.
Our partnership with the families is a life-long partnership for many. Even after the last check is written, we remain a part of their support system—their advocates. And many, many of our clients turn around and pay their blessings forward to the community.
We take our responsibility to steward the money that our partners entrust to us very seriously.
To that end, we open up our financial information to you. We welcome your questions, comments and concerns. Realize that we are essentially a financial institution, a home-building company and a nonprofit all rolled into one. This takes an enormous amount of effort from paid staff and volunteers. We take pride in the stability of our organization and our ability to find and keep quality people who help us execute our mission.