Have you heard something about Habitat for Humanity and wonder if it’s true or not? When organizations have been around as long as us, some misconceptions are bound to arise! Here are eleven examples of typical myths associated with us; learn the truth behind common myths about Habitat for Humanity.
Truth: Our mission is sustainable wealth building instead of gifting free homes. Qualified homeowners partner with Habitat for access to some of the best mortgages available, which families pay monthly. In order to qualify to become a Habitat homeowner, applicants must have a need for housing, be a U.S. citizen or have permanent residency status, meet income requirements, and be willing to put hours toward financial education and construction of homes. What makes Houston Habitat for Humanity homeownership affordable is access to down payment assistance funds and mortgages designed to ensure families do not pay more than 30% of their household income.
Truth: Numerous studies continuously show that affordable housing does not negatively affect neighborhood property values. In fact, Habitat houses provide local government tax income and increased property values because Habitat homes are on the tax rolls and our projects often encourage nearby homeowners to improve their own properties as well!
Truth: Anyone aged 16 years or older who is interested in lending a hand can register to volunteer. No previous experience is required; we will teach you what you need to know. In addition to website training resources, the first day onsite has a safety orientation and introduction to the projects of the day. Next, volunteers are gathered in small teams and paired with an experienced staff member who walks through each task, teaching skills and safety along the way. Houston Habitat volunteers are recognized with awards based on total hours accumulated.
Truth: All homes built by Houston Habitat meet or surpass every city building code , and are not sold to the new homeowner until each home passes stringent inspections by official inspectors. In addition, each home passes Energy Star inspection, meaning the home is energy efficient. General work is completed by volunteers who are trained and supervised by Habitat staff, while trade work such as electrical, roofing, and plumbing are done by licensed professionals. Regarding materials, Houston Habitat resources quality materials with local and national vendors, many of which provide Habitat with cost savings or donations in agreement with our commitment to quality of construction. “Our families are hardworking families, they deserve a safe, healthy place,” said Allison Hay, Chief Executive Officer of Houston Habitat for Humanity, recently.
Truth: Since Houston Habitat mortgages are capped at 30% of a homeowner’s income, many potential homeowners come into the program paying much more of their income on rent than they end up paying for a mortgage. Although additional costs are often associated with homeownership, Houston Habitat homes are Energy Star certified and use WaterSense fixtures reducing water usage keeping with the goal of affordability.
Truth: While Habitat does accept some government funds and property, it is not a government organization or an arm of the city, state or federal government. Rather, Houston Habitat is an independent nonprofit organization and an affiliate of Habitat for Humanity International, with a specific service area that includes the city of Houston and the majority of Harris County.
Truth: Study after study has proven the positive effects of homeownership on individuals and families. Benefits include physical and mental health improvements, reduced stress, and academic success. One example, according to a survey of more than 400 Habitat families in metro Denver, showed children raised in a Habitat home were twice as likely to go to college. Read here about one person whose life turned around from poverty after settling in a Habitat Home: James’ Story.
Truth: Houston Habitat follows a nondiscriminatory policy of home ownership and abides by the regulations of the Fair Housing Act. No race, ethnicity or religion is given preference when becoming a Habitat family partner. Habitat for Humanity was founded as a Christian housing ministry, however, anyone can partner with Habitat. We do not discriminate based on race, religion, nation of origin, gender, sexual orientation, family status, marital status or any other protected classes. Equal Housing Opportunity: We are pledged to the letter and spirit of U.S. policy for the achievement of equal housing opportunity throughout the nation.
Truth: On the rare occasion that a Habitat homeowner is struggling to make mortgage payments, our mortgage services staff reaches out to assess the situation. Our team can help those behind on payments through various mortgage assistance programs to put them back on track. Should a homeowner need to sell their Habitat home, Houston Habitat has the right of first refusal which means they must offer the home to Habitat for purchase first. If our organization chooses not to buy the house, they can sell to other interested parties but they must meet the same income requirements as Habitat family partners, 50-80% AMI (Area Median Income). This ensures the Habitat home continues to remain affordable and keeps the homes out of the hands of investors.
Truth: Habitat for Humanity never goes door to door. Anyone who arrives at the house without an established appointment is not affiliated with Houston Habitat for Humanity and should not be given access. There have been instances of people pretending to be Habitat staff, and even wearing Habitat shirts. Houston Habitat staff will not come to your home without prior established appointment. You may call our office at 713-671-9993 to double check the identity of the individual at your door.
Truth: Although building single-family homes is a big part of our mission, Houston Habitat also provides homebuyer and financial education classes for prospective homeowners on a range of topics. Our organization also provides repair programs for Seniors and Veterans. In times of disaster, Houston Habitat has performed extensive Disaster Repair helping those impacted get back into safe healthy homes. Recently, Houston Habitat began to rehab homes to make them suitable for purchase with the same great quality of our new construction homes. We also build playhouses for children of Habitat homeowners and Veteran families! Further, Houston Habitat also has two stores you can purchase items for your home or repairs. Learn more and visit our Houston Habitat ReStores.
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Today, there is a massive crisis for affordable housing affecting the United States, Texas, and Houston. Pandemic-propelled working from home, the housing bubble 2023, and an ever-expanding population are all significant contributors to this problem.
Learn more about this issue, and how Habitat for Humanity is fighting back with new construction and innovative strategies designed to tackle unaffordable housing head-on, plus answers to some frequently asked questions connected to affordable housing solutions.
The 2023 State of the Nation’s Housing report from the Joint Center for Housing Studies at Harvard illustrates top levels of unaffordability, near-record shortages, and significant barriers to first-time homeownership. The findings note the root of these problems are due to a significant lack of homes for sale, as well as an accelerated increase in homeownership costs beginning in 2022.
A second group reviewing the shortage of an affordable house for all is the National Low Income Housing Coalition, whose latest annual report evaluates the availability of affordable rental homes, particularly for households with extremely low incomes. This category is defined as income at or below either the federal poverty guideline or 30% of the area median income.
The key findings log that families in need of decent, affordable housing face the biggest challenges. There are only 7 million affordable units for 11 million households with extremely low incomes, but of the 7 million, 3.3 million are occupied by households with higher incomes. Texas is one of six states with the most severe shortages, with Houston ranking 5th for worst metropolitan areas in the country, according to the 2024 State of the Nation’s Housing report.
Although Houston has seen its share of economic growth, it is a harsh reality that these benefits don’t always trickle down to everyone. Families earning modest incomes often get outbid on livable real estate by those with deeper pockets, even when looking at supposedly ‘affordable’ options. This imbalance isn’t just frustrating; it also threatens stability and diminishes hope for those who are working to build better futures.
Houston homeownership has become seemingly less obtainable due to expanding expenses such as higher utility & tax rates, inflated material prices for repairs, and rising insurance costs. Income-based housing numbers often do not consider these necessary monetary obligations in addition to mortgage payments. Although there are ways current homeowners can help themselves when it comes to these costs, such as reducing energy bills, learning about and performing maintenance and repairs, and negotiating necessary insurance coverage, those considering becoming homeowners can still feel overwhelmed.
What doesn’t help the situation further is when incomes don’t always keep pace with these expenses either. According to the Federal Finance Housing Agency, home prices rose 74% from 2010 to 2022. The average wage rose only 54% during the same time. That can leave a significant gap in funds available to purchase a home.
In July, the White House released information for the Biden-Harris Administration’s Housing Supply Action Plan, the goal of which is an economy where everyone has access to a safe and affordable home. The Biden housing plan has action items such as reducing barriers to build housing including restrictive, costly land use and zoning rules; expanding financing for affordable, energy efficient, and resilient housing; and promoting opportunities for commercial-to-residential conversion, particularly for affordable housing.
Additionally, in October, the current Administration announced $100+ Million for energy efficiency and climate resilience upgrades in 1,500 low-income households, in an effort to reduce utility rates and repair/maintenance costs. This plan is about making changes to how we tackle housing shortages, including land use, zoning, materials, and providing opportunities for rehab of existing homes. The idea is simple yet effective: fast track through cumbersome bureaucracy to allow local developers and builders to get shovels in dirt faster, and expedite the
Houston Habitat for Humanity has created many avenues to achieve success against the affordable housing crisis. Volunteering, donating, and sharing the mission are all essential, as well as advocating for homeownership to others and yourself!! In the words of Chris Hensman, Chief Strategy Officer, of Houston Habitat for Humanity, “We want people to be setup for success!”
Houston Habitat’s home repair program preserves existing affordable communities and maintains homeownership for low-income individuals and families. Our home repair program preserves homes that would have been torn down and replaced with new houses that are too expensive for existing community residents, slowing gentrification. Many seniors and veterans have saved their homes at reasonable cost through our critical repair program!
Further, Houston Habitat for Humanity is transforming a local area into a new 127-acre planned community named Robins Landing. This neighborhood will deliver safe and affordable housing, while also providing East Houston residents with a childcare center, a health clinic, parks, a public library, grocery co-op, stormwater infrastructure, and more community-supporting services! This project goes beyond city requirements, taking lessons from the past to create an elevated design with replication in mind. Robins Landing is an advanced development of 468 affordable single-family homes and 500 multi-family units, made possible through innovative partnerships.
How do you qualify for a homeowner program in Houston?
To get into affordable homes, you need to show that your income meets the minimum household gross income for your family size compared to the local median. You can prove this by providing pay stubs and tax returns when applying.
Who qualifies for affordable housing in Texas?
In Texas, individuals or families making under 60% of the area median income are eligible to apply for affordable housing. Seniors and veterans often receive priority in the application process.
Can veterans directly assist other veterans?
Yes! If you are a veteran and would like to help a veteran family achieve the dream of homeownership, then create VolunteerHub account or sign in, check yes to the veteran volunteer program question on your profile page, and sign up for a build or ReStore volunteer opportunity.
Backed with a deep understanding of how to advance houses based on income, Houston Habitat for Humanity is the best choice for potential homeowners. Affordable housing solutions are our mission!
Sources:
https://www.habitat.org/costofhome/2023-state-nations-housing-report-lack-affordable-housing
https://housingmatters.urban.org/research-summary/addressing-americas-affordable-housing-crisis
https://taahp.org/gap-report-texas-ranks-the-6th-worst-state-in-the-nation-for-affordable-housing/
https://journalrecord.com/2023/09/study-examines-rising-costs-of-homeownership/
https://www.hud.gov/press/press_releases_media_advisories/HUD_No_23_239
Since 1987, Houston Habitat for Humanity has worked to fulfill its mission statement to build and improve the places people call home.
The goal of this non-profit organization is to empower families to better their future. Enacting these mission values does require funds. Keep reading to explore our three main financial sources which propel our mission.
Direct financial contributions come from a range of donors, everyone from individuals to large corporations. We even have partnered payments where one person gives, then their employer matches the gift!
Flexibility is also offered, as donations can be made one-time or in monthly increments. When monetary donations are received by Houston Habitat for Humanity, our ability to provide grows responsibly!
Another way to help Habitat (and the environment!) is by donating a used vehicle. A national vehicle donation program since 2005, Cars for Homes has accepted over 120,000 vehicles for reselling or recycling for the benefit of fundraising towards Habitat for Humanity’s mission of safe, affordable homes.
Almost all vehicles are accepted, including cars, trucks, motorcycles, RVs, boats, farm and construction equipment. Donating this way is easy, quick, and may qualify you for a tax deduction. Find out more about donating vehicles to Habitat for Humanity!
You may have noticed a ReStore or two around town. These storefronts are home improvement stores and donation centers for Houston Habitat for Humanity. These thrift locations sell new and gently used appliances, furniture, home accessories, building materials, flooring, cabinetry and more at much less than retail prices.
All shoppers are welcome, and benefit from the lower costs. In return, , while we we utilize any the profits made here to build and improve Houston homes for our programs.
As an additional bonus, buying and donating goods at a ReStore keeps useful items out of the landfill. Looking for items to upgrade or redecorate your own home? Have materials to donate? Contact your nearest ReStore.
Payments made on mortgages go directly back to Houston Habitat for Humanity to further family empowerment. Reasonable mortgages are possible due to sensible loans, and cost reduction is made possible by the help of volunteers and donors.
The Habitat for Humanity mission values strengthening oneself. Through education, construction and guidance, families are offered better mortgage terms and payment schedules than the average homeowner.
Instead of granting a house for free, Habitat is an affordable mortgage provider who provides access to reasonably priced homeownership opportunities.
For over 35 years, Houston Habitat for Humanity has manifested its mission values throughout the community.
Did you know it is rated as a Four Star Charity by Charity Navigator, with a 100% score in Accountability & Finance? This organization works diligently to utilize its various avenues of funding for the most impact, and is proud to serve Houston families. Connect with us today to learn more about donating, shopping at a ReStore, or becoming a homeowner!
Sources: https://habitattexas.org/faq/
https://www.volunteerhou.org/agency/detail/?agency_id=17321
https://www.charitynavigator.org/ein/760207084
