Builds homes with the help of homeowner/partner and then sells the home to partner at no profit and financed with affordable no interest loan.

Applications accepted twice a year (usually spring and fall). Applications are available on the Habitat for Humanity QC website; applicants must complete the Contact Habitat form to be added to the list to receive an invitation to the next meeting.

Works in partnership with people in need to build and renovate decent, affordable housing. The houses then are sold to families for no profit and a 2.625% interest rate.

Accepts donations of materials; call for information.

Offers a hand-up to area families in need of safe, decent and affordable housing. Works to keep homes affordable through the use of volunteer labor and affordable mortgages. Qualified applicants make less than 80 percent of the area median income and become full partners in the work of building or rehabilitating the future home.

In order to become a Habitat homeowner, the applicant must meet the following criteria,

Have a demonstrated need for housing.
Have a sufficient, stable and verifiable household income to support monthly mortgage payments. Mortgage payments do not exceed 30 percent of the homeowner's household income.

Be willing to complete 200-300 hours of sweat equity. These hours are completed on the build sites and through time spent at a nine-part education series homeowners are required to complete prior to moving into their home

Provides decent, affordable housing for low-income families by bringing together the necessary volunteers, experienced help, suppliers, city and government agencies, and families to form partnerships and build houses.

Sells homes to qualified families who do not currently own a home. The family receives a no-interest loan from Rockford Habitat to purchase the home. The family will pay the loan back over the next 20 or so years. Loan length and mortgage payment are based on individual family income. The average mortgage payment is around $500 a month. Families must volunteer at least 200 sweat equity hours during the construction of their home and take three financial management courses prior to the closing.

To qualify for the program, 4 categories are evaluated:

- Residency.

- Ability to pay.

- Need.

- Willingness to partner.

Works in partnership with people in need to build modest and affordable houses. Houses are sold at no profit and with low interest.

Volunteers provide some of the labor, and individual and corporate donors provide money and materials to help build the houses.

Partner families invest 350-500 hours of labor, called "sweat equity" into the building of their homes and homes of other Habitat families.

Offers to help build affordable homes for individuals in need. Most of the homes are 3 bedrooms with 1.5 bathrooms, or 4 bedrooms with 2 bathrooms. Including a driveway, crawlspace, storage shed and a refrigerator.

Builds houses which may be purchased by selected families on "no interest" mortgages with a down payment and "sweat equity."

Partners with low-income families to build decent and affordable homes. Qualifying families help build, then purchase the home via a zero or low-interest mortgage loan, making payments affordable.

Builds homes with the help of volunteers and family partners. The mortgage is financed with an affordable Habitat loan, with a modest down payment.

Builds safe and affordable housing for one family each year. Mortgage agreement and regular monthly mortgage payments required.

Offers to build and rehabilitates homes with the help of homeowner/partner.