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Habitat for Humanity of South Central Minnesota is a non-profit, Christian housing ministry dedicated to building simple, decent, and affordable housing with and for families in need.
- Where Does Habitat for Humanity Operate?Habitat is a worldwide, grassroots movement dedicated to eradicating poverty housing. Habitat operates in over 90 countries, all 50 U.S. states, the District of Columbia, Guam, and Puerto Rico.
- What Are Habitat Affiliates? Habitat’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.
- Habitat Building History Habitat has built more than 400,000 houses around the world, providing more than 1 million people in more than 3,000 communities with safe, decent, affordable shelter. Habitat for Humanity International was founded in 1976 by Millard & Linda Fuller.
The Habitat for Humanity of South Central Minnesota Affiliate was granted official status on July 1, 1990
- The Mankato chapter was formed in 1989
- The St Peter chapter joined the affiliate in 1994
- The Le Sueur/Henderson chapter joined in 1998
- The Watonwan county chapter joined in 2008
To date the affiliate has built 90 homes in South Central Minnesota.
- 52 homes in the Mankato chapter
- 21 homes in the St Peter chapter
- 8 homes in the Le Sueur/Henderson chapter
- 6 homes in the Watonwan County chapter
- 3 homes in New Prague chapter
- How does the Habitat Program work? Through volunteer labor and donations of money and materials, Habitat builds and rehabilitates 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 loans. The homeowners’ monthly mortgage payments form a revolving fund to build more Habitat homes. Habitat homes in South Central Minnesota on average cost $100,000.
- Habitat is not a giveaway program. In addition to monthly mortgage payments, homeowners invest hundreds of hours of their own labor -- "sweat equity" -- into building their Habitat house and the houses of others.
- How Are Habitat Partner Families Selected? Families in need of decent shelter apply to South Central Minnesota by calling or stopping by our office for an application at 1751 Bassett Dr., Mankato MN 56001, 507-388-2081. 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 loan based on financial guidelines. Every Habitat affiliate follows a nondiscriminatory policy of family selection. Neither race nor religion is a factor in choosing the families who qualify for a Habitat home.
Who is Eligible for a Habitat for Humanity Home?Partner families are chosen according to the following criteria:1. Degree of need (safety, overcrowding, affordability and inability to qualify for a conventional home mortgage), 2. Ability to pay the zero interest mortgage (blessing, not a burden) 3. Willingness to partner (each head of household listed on the mortgage must complete 200 "sweat equity" hours on the construction of their home and others, work with a family support committee member, and attend homeowner classes)
- Common Myths:
- Myth: Habitat homeowners can sell their homes and make a large profit Truth: Habitat has a protective second mortgage in addition to the standard first mortgage. The first mortgage is equivalent to the cost of building the home. This amount is what the homeowner is responsible for paying. The second mortgage is the difference between the selling price of the house and its appraised value. Although this is a forgivable mortgage, it doesn’t begin to decline until the 6 th year of payment.
- Myth: Habitat homes are given away. Truth: Houses are not given to anyone. Habitat builds homes with and for families in need and sells them to the homeowner through a 0% interest mortgage.
How Can I Help? You Are Needed!No experience is necessary. In fact, helping is a great way to gain experience! Form life long friendships while strengthening your community.
- Construction site, help us pound nails!
- Volunteer coordination, help us by baking goodies and delivering them to the work site, help us by training in new volunteers and help us recruit.
- Join a committee. Help Habitat behind the scenes with Family Selection, Family Partner, Building, Public Relations/Fundraising and the ReStore committees.
- ReStore: Cashier, Donations Pick Up, Stocker, and Customer Service
What is the Habitat ReStore? The Habitat ReStore sells new and gently used building supplies to the public at a fraction of retail prices. Items include cabinets, windows, doors, plumbing, appliances, lumber, tools and the list goes on! The money generated from the ReStore supports Habitat in building more homes for families in need. ReStores divert tons of material from landfills as well as make home improvements more affordable. Recycle, Reuse, ReStore