Home Ownership

Habitat builds and renovates houses in partnership with qualifying families, using as much donated material and labor as possible. Homes are sold at no profit and financed with no-interest loans, making the monthly payments affordable.

Like every Habitat for Humanity affiliate, Northern Fox Valley selects its homeowners based on three criteria:

  • The applicant’s level of housing need
  • Their willingness to become partners in the program
  • Their ability to repay the no-profit, no-interest loan

Employment history, credit history, and ability to make the monthly mortgage payments are also considered. Applicants must live or work within our service area for at least one year prior to applying. Neither race nor religion is a factor in selecting families.

Our affiliate builds within the area primarily servicing Elgin, Carpentersville, and St. Charles.

For more information on our Homeowner Orientation schedule, please click here.

View our Frequently Asked Questions.

Take the Self Assessment Questionnaire

Si necesita información sobre el Hábitat en español, favor haga clic en los siguientes enlace:

Preguntas Frequents

Solicitante Cuestionario de Autoevaluación