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  • Through volunteer labor and donations of money and materials, Habitat builds and rehabilitates simple, decent houses alongside our homeowner (partner) families.
  • Habitat is not a give-away program.  In addition to a down payment and monthly mortgage payments, homeowners invest hundreds of hours of their own labor (sweat equity) into building their Habitat house and the homes of others.
  • Habitat homes are sold to partner families at no profit and financed with zero interest loans.
  • The homeowner’s monthly mortgage payments are used to build more Habitat houses.
  • 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 a partner and their ability to repay the loan.
  • Every affiliate follows a non-discriminatory policy of family selection.
  • Neither race nor religion is a factor in choosing the families who receive a Habitat Home.
  • Community-level Habitat for Humanity offices that act in partnership with and on-behalf of Habitat for Humanity International.  Each affiliate is an independently run, non-profit organization.
  • Each affiliate coordinated 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.

A local affiliate of Habitat for Humanity International, a nonprofit, ecumenical Christian housing organization. WCHFH was established in 1995 and since that time has completed 14 homes throughout the County with the 15th scheduled for completion later this year. Our goal is to build at least one home annually somewhere in Warren County.

The WCHFH Building Committee oversees volunteers and necessary sub-contractors who provide most of the labor, and individual and corporate donors provide money and materials to build Habitat houses. Partner families themselves invest hundreds of hours of labor “sweat equity” into building their homes and the homes of others. Habitat houses are not extravagant by any standard. Habitat’s philosophy is to build basic, decent houses. Under house design criteria approved by Habitat for Humanity International’s board of directors, living space, for example, is not to exceed approximately 1250 square feet.

WCHFH has never given away a house. Doing so would violate our basic belief that individuals and families, regardless of their financial situation, are best served and maintain dignity by working for what they receive. Not charging for volunteer labor, adding no profit, and charging no interest on their loan still provides a powerful financial incentive for families otherwise unable to attain the benefits of a decent, safe and secure home.

Individuals and or families in need of decent shelter, and who have limited incomes (25% – 50% of the median for Warren County) complete an application, and then the WCHFH family selection committee chooses homeowners based on their level of need, their willingness to become a partner and their ability to repay the loan. WCHFH follows a non-discriminatory policy of family selection; neither race nor religion is a factor in choosing the families who receive a Habitat Home.

It takes an average of over $90,000 to build a habitat house in Warren County today. That is more than double the cost of the first house completed in 1998. The majority of our funding comes from a combination of individuals, churches, businesses, civic organizations, foundations, and grants. Current Habitat homeowners’ monthly mortgage payments also go into our “Fund for Humanity” which goes toward building more houses here Warren County.

WCHFH purchases goods and services locally. In the construction of the most recent house, approximately $80,000 was spent at businesses throughout the county. WCHFH homes now pay over $21,000 in property taxes each year. WCHFH homes help to put to use real estate lots that might otherwise stand vacant. And WCHFH helps to make home ownership possible for many families dependent on lower hourly wage jobs.

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