Since 1991, Habitat for Humanity of Northern Saratoga, Warren, and Washington Counties has worked in partnership with the community to provide the opportunity for home ownership to those who find it just out of reach. We build and rehabilitate simple homes for hard working families between 40-60% of the median income in the tri-counties. We use primarily donated labor and materials for our builds, then issue a 30 year no interest mortgage to the family for that cost. This program creates new affordable housing while engaging the community — local businesses, civic groups, municipalities, students, and funding sources in support of our motivated family partners.
Habitat homeowners are selected based on their level of need, their willingness to put in “sweat equity”, and their ability to repay the mortgage on the home. As with all of our Habitat families, this family will take pride in owning their first home and making affordable monthly payments to pay back their Habitat mortgage.