We accept applications for our affordable housing program once a year at Orientation Meetings. If you would like to be added to the contact list to be notified when we are accepting new applications, please fill out the contact form below or call our office at 601-582-HOME (4663).
Hattiesburg Area Habitat for Humanity does not build houses FOR families; we facilitate a partnership among families who demonstrate need, the ability to pay the mortgage, and a willingness to partner in the construction of their home. This partnership also engages community supporters who join the families in the home building process and provide both financial and in-kind support for building supplies and materials. Homeowners invest a minimum of 450 hours of their own labor, or “sweat equity,” into building their Habitat house and they pay back a no-profit, no-interest mortgage over 20 years.
The average family that is accepted into the Habitat program will wait 1 to 2 years before their home can be built. Once the home is complete, the applicant will purchase their home from Habitat for Humanity with an affordable mortgage through Habitat for Humanity. Habitat only takes applications for this program once per year.
Hattiesburg Area Habitat for Humanity empowers people who qualify to build and buy their own homes.
Eligible applicants must:
- Have lived or worked in Forrest or Lamar County for the last year
- Have a stable income that can be verified by tax returns or pay stubs (or disability statements if the applicant is disabled)
- Be able to pay modest monthly mortgage payments- These monthly payments average around $350-$400 per month and include taxes and insurance on the home and are not eligible for Section 8 Assistance.
- Show that current housing is overcrowded, substandard, too expensive, unsafe, or they are living in subsidized housing
- Selected families must provide a $1,000 toward closing costs and pay an affordable 20-year mortgage.
- Be willing to partner with Habitat for Humanity to help build their home and the homes of other families already in the Habitat program. If an applicant is unable to participate in construction, they must be willing to speak to volunteers, help with serving meals, and be available to encourage volunteers while out on the jobsite during construction.
Selected families commit to 450 hours of ”sweat equity”, a reasonable down payment, personal finance workshops, education on home safety, and monthly mortgage payments set at no more than 30% of household income.