Griffin Area Habitat for Humanity (GAHFH) does require a simple application process to be fulfilled and approved before becoming one of our “Habitat Families.” Propective Habitat homeowners must meet these qualifications:
Demonstrate a need for safe, affordable housing in the Griffin area.
U.S. Citizen or permanent lease resident.
Demonstrate the ability to meet obligations for mortgage payments (typically under $600 a month), insurance, property taxes, and utilities.
Express a willingness and ability to contribute to the work of GAHFH by dedicating at least 300 hours of "sweat equity" in the form of volunteering at building sites taking classes in financial literacy and homeownership, and/or supporting GAHFH special events.
Habitat families are not given a home, nor do they purchase a home from Griffin Area Habitat for Humanity (GAHFH). Rather GAHFH partners with a family to help them build a home with a mortgage they can afford when conventional house financing is not available to them.
Habitat families come from all walks of life regardless of ethnicity, gender, religion, sexuality, or disability.
Once a Habitat house is ready for the family to occupy, they will enter into an (interest free) mortgage agreement with GAHFH, and they will become owners who maintain the house, carry insurance and pay taxes.
The house becomes their home.
Contact Lynn to receive an application and any support for completing it.
How to Apply
If your application is approved, there are several steps to complete before construction of the Habitat house is started:
~ Must show proof of ability to pay the closing cost (4% of the cost of the house) which is around $2800.
~ Complete Financial Literacy Training with the Family Support Committee, including a family budget.
~ May be required to pay down certain existing debts.
~Complete initial training in homeownership. This training will continue throughout the home building process.
~ Agree on and sign a Habitat Letter of Agreement for the home location and building plan that meets the special needs of you and your family.
Once your Habitat house is ready for moving in, you will enter into an interest-free mortgage agreement with GAHFH. Obtaining homeownership includes maintaining the house, carry insurance and pay taxes as the house has come your home.
Our application process for 2020 is closed. We hope to begin taking applications in early 2021, so please check back later this year for more information. Thanks!
Your Habitat Home
Griffin Area Habitat for Humanity partners with a family to help them build a home with a mortgage they can afford when conventional house financing is not available to them.