Greater Jackson Habitat for Humanity helps homeowners with limited financial resources restore and maintain the exteriors of their homes by providing opportunities for affordable home repairs.
Repairs completed by Greater Jackson Habitat for Humanity impact the health and safety of residents and/or the preservation of the home. All home repairs are led by trained crew leaders and completed by volunteers.
This program offers affordable home repairs such as:
- Interior work necessary to maintain the home
- Minor structural repairs
- Installation of handicap-accessible ramps and railings
- Repairs to doors, windows, porches, etc.
- Floor and wall repair
- Siding or trim repair
- Other safety or health issues not listed
Qualified Home Owners:
- Own & reside in a home in Jackson County needing repairs (no rental properties and no mobile homes)
- Have household income at or below 80% of Jackson County median family income (see chart below)
- Are up-to-date on property taxes and mortgage payments (if any)
- Can repay a portion of repair costs up front or monthly with our zero interest loan
- Partner with Greater Jackson Habitat for Humanity for the repair project
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Affordable Loan Repayment
We are committed to providing housing solutions that are affordable. To build a spirit of partnership and sustainability, our repair program features modest repayment requirements.
Repairs are repaid according to their value with a 0% interest loan through GJHFH. Homeowners are required to pay the total or a percentage of the projected total cost for the project, depending on income. (Total cost of project not to exceed $5,000.) A $50 down payment is required prior to the beginning of the repair.
All repayment funds are recycled and used to assist future homeowners in need of repairs.
Sweat equity is a core tenet of Habitat’s ministry and is Habitat’s most valuable tool in building the partnership among families, affiliate staff and volunteers. The number of sweat-equity hours is based on the scope of the project, with a minimum of eight hours. Sweat equity can include:
- Work alongside the volunteers and staff of GJHFH on the homeowner’s own home
- Providing snacks or meals to volunteers while on the job
- Volunteer work at ReStore and/or in the office of GJHFH