Habitat for Humanity International is a nonprofit, ecumenical housing ministry. HHI seeks to eliminate poverty housing and homelessness from the world and to make decent shelter a matter of conscience and action. Habitat invites people of all backgrounds, races, and religions to build houses together in partnership with families in need. Habitat has built more than 200,000 houses around the world, providing more than 1,000,000 people in more than 3,000 communities with safe, decent affordable shelter.
Through volunteer labor and donations of money and materials, Nassau Habitat builds simple, decent houses with the help of the homeowner (partner) families. Habitat houses are sold to partner families at no profit and financed with affordable, no-interest loans. The homeowners’ monthly mortgage payments are used to build more Habitat houses.
Nassau Habitat is not a giveaway program. In addition to a down payment and the monthly mortgage payments, homeowners invest hundreds of hours of their own labor, sweat equity, into building their Habitat homes and Habitat homes of others.
Habitat for Humanity’s work is accomplished at the community level by affiliates, independent, locally run, nonprofit organizations. Each affiliate coordinates all aspects of Habitat home building in its local area, fund raising, building site selection, partner family selection and support, house construction and mortgage servicing.
Families in need of decent shelter apply to local Habitat affiliates. The affiliate’s family selection committee chooses homeowners based on their level of need, their willingness to become partners in the program, and their ability to repay the no-interest loan. Every affiliate follows a policy of nondiscrimination in selecting families for Habitat homes. Nassau Habitat selects families without regard to race, color, national origin, religion, sex, family status, or disability.
516 S 10TH STREET, ST. 115
FERNANDINA BEACH, FLORIDA 32034
Nassau Habitat for Humanity (NHFH) is a local volunteer organization affiliated with Habitat for Humanity® International, a Christian inspired ministry whose mission is to build decent, affordable housing in the US and around the world.
NHFH is run by a local board of directors who raise funds; select families, building sites and house plans; supervise construction and administer the mortgages. NHFH began building homes in 1993. In May 2012, Nassau Habitat completed its 31st home.
Homes are built for families meeting the requirements outlined here. Donations and volunteer labor finance construction. The homes are sold at cost to qualified families through an interest free mortgage issued by NHFH.
WHO CAN APPLY FOR A HOME?
To be considered for a Habitat home in Nassau County, you must be a US citizen or have resident alien status; and live or work in Nassau County for at least 12 months prior to closing. You must also:
1. Need adequate housing. Currently live in unsafe, overcrowded, inadequate or subsidized housing. Or have housing costs that exceed 50% of the family’s income.
2. Be able to partner with others to help build your home. A minimum of 300 hours of sweat equity is required. To meet this challenge, you need a network of friends and family to help build your home.
3. Be able to pay for the home. Projected monthly costs for mortgage, insurance, taxes and utilities should be less than 60% of monthly income.
For 2014, the range of annual income for eligible families is:
- Family of 1- $19,290 to $28,320
- Family of 2– $19,290 to $30,730
- Family of 3– $19,290 to $36,360
- Family of 4– $23,244 to $40,380
- Family of 5– $23,244 to $43,620
The final price of a home may raise the minimum income required. Existing debt, credit history and other monthly payments are considered in selecting homeowners.
HOW DO I APPLY FOR A HOME?
Applicants may call our local NHFH office at (904)-277-0600. Please leave your name, address, and phone number and someone will be in touch with you.
When you apply, you authorize the Family Selection Committee to evaluate your need for a Habitat home, your ability to repay the no-interest loan and your willingness to work as a partner family.
The evaluation will include a check of credit history, a search of the Sexual Predator database, an employment history review and a personal visit to your home. Copies of recent tax returns and pay stubs must accompany all applications. Additional information may also be required
WHAT ELSE DO I NEED TO KNOW?
Homes are built to standard plans and offered on sites selected by Habitat.
At closing the homeowner must pay $500 as a down payment and $250 toward an escrow for property taxes and insurance.
Typically 2 or 3 families are selected each year.
Final decisions on applications and policies rest with the Nassau Habitat Board of Directors.
Completion of a Habitat home may take up to 24 months.