Qualifying for a Habitat Home

How Do I Qualify to Own a Habitat House?

Family Criteria

You have a steady income, but are unable to afford or obtain a conventional mortgage.
You must be able to afford an interest free mortgage and not have an overwhelming amount of debt.

Your entire family income, including taxable and non taxable income is considered using the following table:

Family Size Maximum Income

2 Persons $22,900.00

3 Persons $27,900.00

4 Persons $33,900.00

5 Persons $38,800.00

6 Persons $43,700.00

7+ Persons $48,700.00

** Note: The above information is subject to change.

You are willing to contribute at least 500 hours (sweat equity) on the building of your own house and other "Habitat" houses and activities. Friends and family members can contribute a portion of these hours.
You have lived in Sarnia-Lambton for at least two years and are prepared to be a good neighbour and a responsible member of your community.
Your present housing does not meet the needs of your family. It may be in poor shape, too costly, unhealthy, unsafe, too small, etc.
You are able to provide references from two non-related people who know you well (ie: can recommend your willingness to partner and ability to pay for and maintain a home). Additional references may be required from the police, your employer and past or current landlords. You must be willing to allow Habitat for Humanity to undertake a credit check.
All policies and guidelines apply to an application by a single applicant or to each applicant of a joint application.

How Do I Apply?

Contact H.F.H.S.L. for an application form.
460 Christina St. North
Sarnia, ON
N7T 5W4
habitatsarnia@xcelco.on.ca
(519) 336-7075
The Family Selection Committee will contact you for an in-home interview if you meet our requirements.

The goal of Habitat for Humanity is to make good single and multiple unit housing available to families who would otherwise not be able to purchase their own home. In partnership with many volunteers from the Habitat community, you will help build your own home. You will own this house by making monthly interest free mortgage payments like most new homeowners.

Privacy Policy:

Habitat for Humanity Sarnia/Lambton respects you privacy. We will use your information only to process your application, follow up contacts, public relation purposes with your permission, reference requirements and mortgage approvals. We disclose this information only to our employees and associates only to accomplish the above purposes. If you wish to withdraw your application and be removed from our list, please call us at (519) 336-7075.