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Frequently Asked Questions

What is Scott County Habitat for Humanity?

Who does Habitat serve?

Where does Habitat build?

How does Habitat decide who can purchase a house?

Are Habitat houses free?

Do Habitat families have to make a down payment on their homes?

Does Scott County Habitat help its homebuyers learn about financial management and care of their new property?

Is all the money Scott County Habitat receives used to build houses in Scott County?

Who funds and builds Scott County Habitat houses?

How is SCHFH run and who makes the decisions?

What is the ReStore?

 


What is Scott County Habitat for Humanity?

Scott County Habitat for Humanity (SCHFH) is an affiliate of Habitat for Humanity International (HFHI). We are an ecumenical Christian ministry partnering with volunteers and donors to eliminate substandard housing. Families in need achieve homeownership by purchasing simple, decent affordable homes they help build with community partners. SCHFH became an affiliate in 1990. 


Who does Habitat serve?

SCHFH serves hard-working, low-income families who are currently living in sub-standard and/or overcrowded conditions, who meet Habitat homeownership requirements and would not be served by traditional lending agencies. We target families who earn between 30 – 60 percent of the median income in our community.  

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Where does Habitat build?

SCHFH builds only in Scott County. We have created a Habitat Village in the City of Georgetown with twenty-four homes, have built a home in Stamping Ground, have constructed a duplex that provides two homes on Young Street near Habitat Village and have plans to expand further. Finding suitable build lots has grown increasingly more difficult in Scott County, and we continually look for affordable sites. If you are interested in donating or selling land please contact us.

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How does Habitat decide who can purchase a house?

Scott County Habitat's Family Selection Committee carefully screens applicants. Families are chosen on the basis of need, ability to repay a mortgage for 20-30 years and willingness to provide 500 hours of sweat equity. Additional requirements are that applicants must live or work in Scott County for a minimum of twelve months prior to filing the application, have a steady source of income for two years prior to filing the application or one year if employed by the same employer for one year and have a total household income that does not exceed 60 percent of the median income for similar families in Scott County.

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Are Habitat houses free?

No. Habitat is a "hand up", not a handout. As an investment in their homes, our partner families agree to provide 500 hours (depending on family size) of sweat equity. This includes working on their own home or other Habitat homes and attending workshops on subjects like home and yard maintenance and budgeting.

Each family has an affordable mortgage that is repaid over twenty to thirty years. Each home is sold with a combination of a first note and second note. The family only pays the first note unless they re-finance or sell their home. If the home is sold or re-financed both notes are then due. The home is fully owned by the family at the end of the mortgage period. If the house is sold at any time during the mortgage period, SCHFH has the right of first refusal and will receive a percentage of any profit made from the sale. The intention is to provide a simple, decent, affordable home for our partner families.

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Do Habitat families have to make a down payment on their homes?

No cash down payment is required, but recipients must be able to save for their first year's homeowner insurance and escrow for taxes and contribute 500 hours of sweat equity in service to Scott County Habitat (working on their own home, helping with other Habitat houses and attending workshops).

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Does Scott County Habitat help its homebuyers learn about financial management and care of their new property?

Yes. We require attendance at classes in budgeting, money management, home and yard maintenance, legal issues related to homeownership and many others. We want to help ensure our Partner Families are as prepared as possible for the responsibilities of homeownership.

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Is all the money Scott County Habitat receives used to build houses in Scott County?

Yes. Scott County Habitat builds only in Scott County, however, as an affiliate of Habitat for Humanity International, SCHFH tithes toward Habitat building projects in other countries.

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Who funds and builds Scott County Habitat houses?

Individuals, corporations, our faith community, civic organizations, grants, and foundations all come together to fund and build the Habitat houses.  Other sources of income include profits from our ReStore and from mortgage payments made by current Habitat homeowners.

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How is SCHFH run and who makes the decisions?

SCHFH has a local board of directors who donate their time and talents to improve our community. This board sets policies, establishes annual goals and ensures that SCHFH activities remain true to its mission. As financial stewards they monitor the ethical standards in SCHFH accounting practices.  Approximately 3 full-time and a dozen volunteers carry out daily tasks of the organization.

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What is the ReStore?

SCHFH opened the ReStore in 1990. In early 2006, It is a resale store for a variety of donated items, including building supplies, furniture, appliances and home goods. Donations, both new and gently used, come from corporations, home construction companies, and individuals. Items that are not able to be used directly by SCHFH in their home building and repair programs are sold to the general public at 40% to 90% off retails prices. The profits made from reselling this merchandise provide much needed fudning for SCHFH and benefit the community by recycling products, thus reducing landfill use. The ReStore is located at 122 B Frasier Court in Georgetown near Walmart. Visit the ReStore website.

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