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Become A Partner Family

Overview of the Partnership:

Habitat builds a home in partnership with a family. At the completion of construction, and satisfaction of partner requirements, the family purchases the home by borrowing money from Habitat. Habitat holds the mortgage. The loan is paid off at no interest. There is a monthly mortgage payment consisting of principal (repaying the loan), taxes (real estate), and insurance (homeowners).

The potential applicant family should be aware that the estimated current cost of a Habitat home (in 2024) is approximately $95,000-$105,000. This means that the Partner Family should have a gross income of $30,000 to $40,000 per year in order to afford the monthly mortgage payment.

What we look for in the Partner Family:

  • The family has gainful employment.
  • The family has significant roots in the community.
  • The family currently lives in modest or substandard living conditions.
  • The family ordinarily would not qualify for home ownership through normal credit institutions.
  • The family is willing to partner with us by working 250-300 "sweat equity hours".
  • The family commits to making regular mortgage payments until the mortgage is paid off.

How to Apply:

  1. The Application Period is closed. The Application Period will re-open in late 2026 or early 2027*.
  2. The Interest Survey will be posted when the Application Period reopens*. The Interest Survey is the first step in the process to become a Habitat Homeowner/Partner*.
  3. Once the Interest Survey responses are reviewed, a member of our Family Selection Committee will contact you and let you know your status.
  4. If you have questions, email us at juchabitat618@gmail.com.
    5. *We strongly advise you to LIKE and FOLLOW our Facebook page. We will post the reopening of the application process on our Facebook page. Click here to go to our Facebook Page at Habitat for Humanity Jackson & Union County Facebook Page.

Subsequent steps:

  1. Once eligible candidates have been narrowed down, an in-person interview will be scheduled and conducted by members of the Family Selection committee.
  2. A prospective family will be selected by our Board of Directors to become a Partner Family.
  3. This process takes time and several applicant families have expressed frustration. Since we are currently only building one house per year, the process is necessarily long.
  4. Families who are not considered one year are welcome to RESUBMIT an Interest Survey again in the future.

Equal Housing