own a home
Habitat GO is helping families in Greater Ottawa to build a better life through affordable homeownership.
We partner with working families living in Greater Ottawa to help them build and buy their own decent, affordable home through a unique affordable homeownership solution..
Important Eligibility Information
To qualify for a Habitat home you must:
- View the Online Housing Information Application Video. Click here to learn more;
- Have a total family income (before taxes):
- Between $46,933 and $69,542 for Ottawa residents;
- Be a Canadian citizen or a permanent resident;
- Be living somewhere that doesn’t meet your family’s needs;
- Be steadily employed, but can’t afford or can’t obtain a conventional mortgage;
- Be ready and able to contribute 500 volunteer hours (350 for single-parent families) to help build your own home and participate in other Habitat projects and community activities.
If you meet the above requirements, click here to start the application process.
Nine Steps to Becoming a Habitat Family
- You must submit your completed application to the Habitat GO office. Please click here to learn more.
- The Family Selection Committee will review applications and ask for additional information if necessary.
- The Committee will select families that meet the criteria and arrange for a home visit.
- All family members must be available for a family visit from members of the Family Selection Committee.
- The Committee will meet to discuss and evaluate the families they have visited.
- The Committee will select families to enter the Partnership program and present their findings to the Habitat Board of Directors. Selected families will be contacted and asked to sign a Partnership Agreement and to begin their sweat equity.
- Families who are not selected will be notified by letter. You can re-apply next year if your circumstances change.
- Family partners from the Family Partnering Committee will help families complete their volunteer hours and answer any questions they may have.
- Once a house is completed and the partner family has completed their volunteer hours, they will be asked to move in. Prior to the move, they will sign an interim occupancy agreement. From the time a family is selected until the time they occupy their new home, the process can take up to 24 months or longer.
What will this involve for you?
- You may continue to support Habitat by volunteering and speaking positively about how Habitat has helped your family. Publicity is important because it helps bring in new volunteers and funds so that Habitat GO can build more homes for more families.
- You will make regular monthly payments on your mortgage.
- You will disclose your income to Habitat on an annual basis.
- You will maintain your home in good repair.
What will you gain from this experience?
- You will have the satisfaction of buying a home of your own.
- You will have an interest-free mortgage that costs much less than a traditional bank mortgage.
- You will develop home maintenance skills learned through your volunteer hours.
- You will have pride in helping other families by contributing your time and knowledge on other homes during or after your build.
- You will get a sense of community from working with other volunteers.
- You will become a contributing member in your new community and get to know other Habitat families.
- Your children may have opportunities and experiences they previously did not have access to.