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Builds safe, affordable houses for qualified homebuyers.
Each Habitat home is built in partnership with homeowner families, sponsors, and volunteers and sold to the partner family, who repays an affordable mortgage over 20 years. Homeowners attend a series of workshops on financial literacy and home maintenance so they are well-prepared for home ownership.
Builds affordable homes for low-income individuals and families who demonstrate a housing need.
Critical Home Repair: Restoration and maintenance for safety and housing stability. Projects include interior or exterior work performed to alleviate critical health, life and safety issues or code violations.
Builds and rehabs homes with support from volunteer labor and donations of money and materials as well as in partnership with homeowner families. Habitat houses are sold to partner families at fair market value and financed with affordable, no-interest loans. 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 house.
Sells homes to qualified families who do not currently own a home. The family receives a no-interest loan from Rockford Habitat to purchase the home. The family will pay the loan back over the next 20 or so years. Loan length and mortgage payment are based on individual family income. The average mortgage payment is around $500 a month. Families must volunteer at least 200 sweat equity hours during the construction of their home and take three financial management courses prior to the closing.
To qualify for the program, 4 categories are evaluated:
- Residency.
- Ability to pay.
- Need.
- Willingness to partner.
Provides programs to build or improve housing, essential community facilities, and support business financing in rural areas of Illinois.
Programs available:
- Single-Family Housing Programs: Direct loans or loan guarantees for low- and moderate-income rural families for mortgages and home repairs. Additionally, grants are available for health and safety repairs for individuals over 62.
- Multi-Family Housing Programs: Loans for affordable rental housing for very-low- to moderate-income residents, the elderly, and people with disabilities. Funds may also be used to buy or improve land and provide necessary facilities such as water and waste disposal systems. Rent assistance is available for rural residents.
- Community Facilities Programs: Loans, grants, and loan guarantees for essential community facilities in rural areas, with priority given to health care, education, and public safety projects.
- Business Financing Programs: Financial support, including loans and grants, for individuals or groups seeking to establish or expand businesses in rural areas.
Provides programs to build or improve housing, essential community facilities, and support business financing in rural areas of Illinois.
Programs available:
- Single-Family Housing Programs: Direct loans or loan guarantees for low- and moderate-income rural families for mortgages and home repairs. Additionally, grants are available for health and safety repairs for individuals over 62.
- Multi-Family Housing Programs: Loans for affordable rental housing for very-low- to moderate-income residents, the elderly, and people with disabilities. Funds may also be used to buy or improve land and provide necessary facilities such as water and waste disposal systems. Rent assistance is available for rural residents.
- Community Facilities Programs: Loans, grants, and loan guarantees for essential community facilities in rural areas, with priority given to health care, education, and public safety projects.
- Business Financing Programs: Financial support, including loans and grants, for individuals or groups seeking to establish or expand businesses in rural areas.
Offers to build at least one home per year to sell to a qualified family at cost with no interest. Forms partnerships with local churches, large and small businesses, civic groups, and individuals, who donate to help people in need.
Provides programs to build or improve housing, essential community facilities, and support business financing in rural areas of Illinois.
Programs available:
- Single-Family Housing Programs: Direct loans or loan guarantees for low- and moderate-income rural families for mortgages and home repairs. Additionally, grants are available for health and safety repairs for individuals over 62.
- Multi-Family Housing Programs: Loans for affordable rental housing for very-low- to moderate-income residents, the elderly, and people with disabilities. Funds may also be used to buy or improve land and provide necessary facilities such as water and waste disposal systems. Rent assistance is available for rural residents.
- Community Facilities Programs: Loans, grants, and loan guarantees for essential community facilities in rural areas, with priority given to health care, education, and public safety projects.
- Business Financing Programs: Financial support, including loans and grants, for individuals or groups seeking to establish or expand businesses in rural areas.
Builds safe, affordable houses for qualified homebuyers. Each Habitat home is built in partnership with homeowner families, sponsors, and volunteers. These are sold to the partner family whom repays an affordable mortgage over 20 years. Homeowners attend a series of workshops on financial literacy and home maintenance so they are well-prepared to be homeowners.
Works in partnership with families to build decent, affordable homes. Homes are built with donated or discounted materials and services and then sold at no profit to partner families.
Habitat carries a 0% interest mortgage on the home for a period of 15-20 years until the partner family owns their home free and clear.
Builds only one home per year. The application process for each home opens in May of each year for the following year.
Works in partnership with people in need to build modest and affordable houses. Houses are sold at no profit and with low interest.
Volunteers provide some of the labor, and individual and corporate donors provide money and materials to help build the houses.
Partner families invest 350-500 hours of labor, called "sweat equity" into the building of their homes and homes of other Habitat families.
Offers volunteer work with the community to provide housing for those in need. Services include build and sell decent, quality, affordable houses to families at a zero percent interest rate. Select families based on their level of need, willingness to partner with Habitat, and ability to repay a mortgage. Services may also provide home maintenance, budgeting, and financial educations classes free of charge to anyone in the community.
Builds safe and affordable housing for one family each year. Mortgage agreement and regular monthly mortgage payments required.
Provides programs to build or improve housing, essential community facilities, and support business financing in rural areas of Illinois.
Programs available:
- Single-Family Housing Programs: Direct loans or loan guarantees for low- and moderate-income rural families for mortgages and home repairs. Additionally, grants are available for health and safety repairs for individuals over 62.
- Multi-Family Housing Programs: Loans for affordable rental housing for very-low- to moderate-income residents, the elderly, and people with disabilities. Funds may also be used to buy or improve land and provide necessary facilities such as water and waste disposal systems. Rent assistance is available for rural residents.
- Community Facilities Programs: Loans, grants, and loan guarantees for essential community facilities in rural areas, with priority given to health care, education, and public safety projects.
- Business Financing Programs: Financial support, including loans and grants, for individuals or groups seeking to establish or expand businesses in rural areas.
Offers to build and rehabilitates homes with the help of homeowner/partner.
Builds safe and affordable housing for qualified homebuyers. Workshops on financial literacy and home maintenance available.
Offers to build and sell low-cost homes to low-income families. Services include building, repairing and financing homes.