Habitat gives away free homes to the poor.
Habitat sells homes at zero percent interest to those who qualify.
helping make your homeownership dream a reality
Habitat for Humanity of Pinellas County (HfHPC) builds homes with people in our community and sells the houses at no profit and no interest to households who otherwise could not afford to own a home. The program also prepares partner families to be successful homeowners.
Here is some basic information about how the program works. Part of the application process includes a specialwhere applicants get lots of information and the opportunity to ask questions. Attendance of the Homeowner Orientation class is not required in order to receive an Application for Homeownership.
Habitat Pinellas builds single-family homes and townhouses. We also rehabilitate existing homes. All homes come with our standard Homeowners Warranty and are Energy Star rated. Depending on the size of your family when you apply, we build homes with two to six bedrooms and one or two bathrooms.
Habitat for Humanity builds throughout Pinellas county, in places where we can find affordable land. The Application for Homeownership includes a section where you choose a preference for either north county or south county. (Ulmerton Road is the dividing line.) Once you have completed 100 hours of sweat equity, we will meet with you to review available locations.
The length of time it takes to complete the program varies and is really dependent on how quickly you can meet your requirements. You must attend 16 homeownership classes, complete 350 to 450 sweat equity hours and save for closing costs ($1000) and for your first year’s insurance (approximately $1,000 to $1,500). On average, homeowner candidates take one year to complete our program. Some candidates have done it in half that time, and others have taken two or more years. To keep you on track, you are required to put in a minimum number of hours each month and attend at least two classes each quarter.
Because of volunteer labor and donations from organizations and individuals, Habitat homes are sold to homeowners at no profit. Also, they are financed with a zero-interest, 25- to 35-year mortgage.
The cost of your mortgage payments will depend on the value of the land and the size of the home. This cost includes property taxes and homeowners' insurance.
Sweat equity is an exciting cornerstone to the Habitat program. Hours can be earned by volunteering on our construction sites, in the Habitat office and at Habitat’s ReStore.