Fluvanna County Habitat for Humanity builds approximately one house per year. For that reason, we only accept applications when we are ready to start building a new house. We accept applications for a one to two-month period, which is advertised throughout the county. Applications are available (only during those months) at the Fluvanna County Library, MACAA, Social Services and the Health Department. We will also have an application you may download on this website during that time.
Here are some other commonly asked questions:
Habitat for Humanity (HFH) builds houses in partnership with qualifying families, using as much donated material and labor as possible. HFH then sells the houses at no interest and no profit, making them affordable for many lower income families. The monthly payments that are made go toward the building of other Habitat houses.
Who qualifies for a Habitat house?
Those having problems with current housing (such as overcrowding, very high rent, structural problems, infestations, etc.)
Those unable to obtain housing through conventional methods, such as bank loans.
Those who have the ability to make a monthly mortgage payment. Credit and employment history will also be considered.
How much does a Habitat house cost?
Payments vary depending on the house. There is no interest on a Habitat loan, so the house is purchased for exactly what it cost to build combined with the cost of the land. Because you actually purchase your home from Habitat, you must demonstrate the ability to pay a monthly mortgage. Families and sites are matched by Habitat’s Family Selection Committee.
On time monthly mortgage payments.
150 hours of "sweat equity" per adult which may be fulfilled in construction, or any other kind of volunteer work with Habitat.
Completion of a "Homebuyer's Course" to help with budgeting and basic knowledge that any homeowner needs before purchasing a house.
Maintenance and repairs to your home once you have moved in.
HFH raises much of its funds through publicity throughout the community. Thus, homeowners will occasionally be asked to participate in events that will help publicize the work of HFH. Such events might include fundraisers, newspaper or TV coverage, and photographs. This is necessary to maintain community involvement, but every effort is made to make the experience comfortable for the family.
Before anyone can become a Habitat homeowner they must complete a Home Buyer's Course.
Fluvanna County Habitat for Humanity realizes that it cannot help all people in all situations. Here are some links that you may find helpful if you realize you do not qualify for a Habitat house:
© 2009 Fluvanna County Habitat for Humanity