Founded in 2002, Habitat for Humanity Sault Ste. Marie & Area is a non-profit charitable housing organization that believes everyone deserves a decent place to live.
We strive to mobilize and work with our community to help local families build strength, stability, and self-reliance through affordable homeownership. Thanks to the help of volunteers, donors, and community partners, fourteen Habitat families have found safe, decent, and affordable homes upon which to build brighter and more stable futures.
We don’t give away free homes; rather, our Affordable Homeownership Program bridges a gap for families unable to afford a traditional mortgage by providing them with the opportunity to purchase their own home.
Families who apply and are accepted to become Habitat Homeowners purchase their home through a no-down-payment, interest-free mortgage geared to their income and contribute at least 500 volunteer hours to Habitat.
Once they move in, Habitat homeowners are responsible for maintaining their own home. We help families and individuals prepare for homeownership by providing homeowner education classes, ranging from financial literacy and budgeting to home-repair and maintenance.
Our path to homeownership requires hard work, time, and dedication, but this helps ensure the long-term success of the families we partner with.
We make affordable homeownership accessible by removing barriers that can make owning a home impossible for many low-income working families and individuals.
Although Habitat homes are sold at fair market value, Habitat homeowners’ monthly mortgage payments are interest-free and set at no more than 30 percent of their gross household income, including principal repayment and property tax. Each year, the gross household income is reviewed and adjustments to the monthly mortgage payment are made based on that income assessment.
Habitat Homeowners must be active participants in building a better home and future for themselves and their families.
To qualify, eligible homeowners must be:
-In need of better housing
-Potential homebuyers might be dealing with poorly maintained, unhealthy, or overcrowded housing; unaffordable rent; inaccessible housing for people living with disabilities; or have other shelter needs.
-Willing to partner with Habitat
-Habitat Homeowners volunteer a minimum of 500 hours with Habitat including volunteer hours spent building their own home or at a Habitat ReStore. This also includes classes in personal finances, home maintenance, and other homeowner topics.
-Able to make affordable mortgage payments
-Habitat homeowners buy their home for the fair market value. Mortgage payments are made affordable because they do not exceed 30 percent of the gross household income, and income is evaluated on a yearly basis.