You might be thinking...

O.K. What's the catch?

• The first is NEED. The family must be living in inadequate housing conditions such as poor heat, plumbing or wiring, unsafe construction, vermin, or overcrowding. Families living in adequate rental housing do not qualify UNLESS they have extremely high rent.
  

• The second qualification is meeting certain family income limits, yet having sufficient income to repay the loan.
  

• Finally, families must be willing to partner with Habitat to build their house and the homes of others, and accept counseling relating to financial planning, home care and maintenance.

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