Our Development Model

We implement an on-going development model called the Home Build Program. Within this program, we build homes and provide interest-free and geared-to-income mortgages to hard-working and deserving families who otherwise could not afford homeownership.

A Habitat home is a strong foundation for a family, an opportunity on which they can build a better life. Strong and stable homes help build strong and stable communities. Providing better and affordable living conditions, Habitat’s Home Build Program leads to improved health, stronger childhood development and the ability—and financial flexibility—to make forward-looking choices. An affordable mortgage helps homeowners save more, invest in education, pursue opportunity and have more financial stability.

Here at Habitat for Humanity Hamilton, we truly believe that the most important way for families to gain stability and self-reliance is when they own their own homes. Every day, more and more families are caught in punishing cycles of unpredictable rent increases, overcrowded conditions, or lack of access to land and affordable financing. Affordable homeownership frees families and fosters the skills and confidence they need to invest in themselves and their communities. The outcome can be both long-lasting and life-changing.

Beyond serving current Habitat homeowners, our model is built with a forward-thinking scope. Monthly mortgage payments made by homeowners get deposited into a revolving fund, held by Habitat for Humanity Hamilton. This fund, referred to as The Fund for Humanity, is reinvested directly back into the Home Build Program, helping us help even more families in need.