Selection Criteria

Family Selection Criteria

The three criteria to qualify for a Habitat home are:

1. Need for affordable housing.
2. Ability to repay a Habitat mortgage.
3. Willingness to partner with Habitat.

Establishing Need

Need for affordable housing is defined by a family income that is below the government-set Low Income Cut-Off (poverty line) for their particular region, and existing living conditions that are inadequate in terms of structure, cost, safety or size.

The ratio of shelter expense to total income is also factored

Ability to repay

Ability to repay a Habitat mortgage requires that the family has a stable income sufficient to cover the monthly mortgage payments and other expenses that come with home ownership.

Homeowners must demonstrate a willingness to partner with Habitat by contributing 500 hours of volunteer labor (sweat = equity)

Families are chosen on the basis of the above criteria.

Family selection occurs at the local affiliate by way of an application process which is non-discriminatory and applications are invited from low-income families from any ethnic, social or religious background or family structure.

Partners: Genworth Financial Canada | The Greater City of Sudbury | CTV