Building Safe, Decent, Affordable Housing

What is Habitat for Humanity

Midcoast Habitat for Humanity is an affiliate of Habitat for Humanity International (HFHI). We are a nonprofit 501(c)(3) ecumenical organization, which, through partnerships with individuals, local companies, civic organizations and government, builds preserves safe, affordable housing and homeownership opportunities to low-moderate income residents. 

Who Does Habitat for Humanity Serve?

Midcoast Habitat serves hard-working, low-moderate income families who are currently living in unaffordable, sub-standard and/or overcrowded housing, who meet Habitat homeownership requirements, and who may not qualify for traditional mortgages. We assist those earning an income below the median income of our community.

What Does Habitat for Humanity Do For Our Community?

The most visible benefit to Knox County is the physical change that takes place in the neighborhoods where Habitat homes are built. Vacant lots are replaced by new homes where families live surrounded by well-kept yards. Less visible is the economic impact of a Habitat home. The new homeowners begin to pay real estate taxes on their properties once they move in. For example, a vacant lot contributes as little as $25 yearly in taxes, while a Habitat home, depending on its value, can contribute as much as $3,000. Affordable housing opportunities strengthens communities.

Where Does Habitat Build?

Midcoast Habitat builds in Knox County. We are always seeking opportunities to build or rehab affordable homes in any of our 18 municipalities.

How Does Habitat Decide Who Gets a House?

Midcoast Habitat’s Family Selection and Support Committee carefully screens applicants through a thorough application process. Families are chosen on the basis of need, ability to pay an affordable mortgage and the willingness to provide 250 hours of sweat equity.

Are Habitat for Humanity Houses Free?

No. Habitat offers a “hand up,” not a handout. As an investment in their homes, our partner families agree to contribute hours of sweat equity. This includes working on their own home or other Habitat homes, attending homeownership classes and financial education workshops. Each family has a mortgage that is repaid over 20 to 30 years based on affordability guidelines. Monthly payments include mortgage payment, taxes and insurance. Each house is appraised prior to closing, and the difference between the first mortgage and the appraised value becomes a silent second note, which becomes payable upon decision to sell or by default. Midcoast Habitat for Humanity maintains first right to purchase and a shared equity agreement.

Do Habitat for Humanity Families Have to Make a Down Payment on Their Homes?

Habitat homeowners can make a down payment depending on their financial situation and affordability.

I want to help. What Opportunities are Available?

Our ability to acquire suitable land, construct simple but well-built and attractive houses, and supply affordable mortgages depends on community support. We appreciate your donation or volunteer support.