Home Ownership

Habitat builds and renovates houses in partnership with qualifying families, using as much donated material and labor as possible. Homes are sold at no profit and financed with no-interest loans, making the monthly payments affordable.

Like every Habitat for Humanity affiliate, Northern Fox Valley selects its homeowners based on the three criteria:

the applicant's level of housing need,
their willingness to become partners in the program,
and their ability to repay the no-profit, no-interest loan.

Employment history, credit history and ability to make the monthly mortgage payments are also considered. Applicants must live or work within our service area for at least one year prior to applying. Neither race nor religion is a factor in selecting families.

To find the Affiliate serving your needs, visit the links to the left or find an Affiliate using the Habitat for Humanity Affiliate finder>.

What is involved?

Selected families are required to put in construction labor on their home or “sweat equity.” Families are encouraged to have relatives and friends assist them with a certain number of these hours. Selected families are also required to make a small down payment at the time of closing, attend a class on personal finances and establish a budget with a financial planner. After moving in, families are expected to make monthly mortgage payments on time and keep the house and yard well maintained. Homeowners are fully responsible for their property and utility bills.

How much will it cost?

The sale price of the home is determined by adding up the land, infrastructure and material costs. The monthly mortgage payments depend on the sale price of the home and the estimated costs of the real estate taxes. Mortgage payments do not exceed 30% of the family’s income. The length of the mortgage is typically 25-30 years.

For more Information on our Program

To find more detailed information on our program, contact your local Affiliate Office.

		Chicagoland Habitat for Humanity
Donate Volunteer Shop Homeownership
Donate: Donations of building materials and financial support make fulfilling our mission a reality. Volunteer: Our construction sites and ReStores function with volunteers so keep our homes affordable. Contact a local Affiliate or ReStore to swing a hammer or stock a shelf. Shop: We now have six ReStores in the Chicagoland area contributing to the financial support of our mission. Chicagoland Affiliates Chicago South Suburbs DuPage County Fox Valley Lake County McHenry County Northern Fox Valley Will County Windy City For a Map of our locations click here> `Donations and Support` To donate directly to Chicagoland Habitat For Humanity, mail checks to : Chicagoland Habitat for Humanity 1050 Thackery Dr. Palatine, IL 60067 To donate on-line to Chicagoland or a Chicagoland Affiliate, follow the link below and specify the Affiliate of your choice. On-Line Donations Or, to donate a car, go to Habitat for Humanity's Cars for homes Program by calling 877-277-4344 or by clicking on our Cars for Homes Logo.	Home Ownership Habitat builds and renovates houses in partnership with qualifying families, using as much donated material and labor as possible. Homes are sold at no profit and financed with no-interest loans, making the monthly payments affordable. Like every Habitat for Humanity affiliate, Northern Fox Valley selects its homeowners based on the three criteria: the applicant's level of housing need, their willingness to become partners in the program, and their ability to repay the no-profit, no-interest loan. Employment history, credit history and ability to make the monthly mortgage payments are also considered. Applicants must live or work within our service area for at least one year prior to applying. Neither race nor religion is a factor in selecting families. To find the Affiliate serving your needs, visit the links to the left or find an Affiliate using the Habitat for Humanity Affiliate finder>. What is involved? Selected families are required to put in construction labor on their home or “sweat equity.” Families are encouraged to have relatives and friends assist them with a certain number of these hours. Selected families are also required to make a small down payment at the time of closing, attend a class on personal finances and establish a budget with a financial planner. After moving in, families are expected to make monthly mortgage payments on time and keep the house and yard well maintained. Homeowners are fully responsible for their property and utility bills. How much will it cost? The sale price of the home is determined by adding up the land, infrastructure and material costs. The monthly mortgage payments depend on the sale price of the home and the estimated costs of the real estate taxes. Mortgage payments do not exceed 30% of the family’s income. The length of the mortgage is typically 25-30 years. For more Information on our Program To find more detailed information on our program, contact your local Affiliate Office.