organization's impact if applicable (for example: number of low-income clients served,
number of units built, etc.)
general banking and credit needs; other (e.g. Identifying names of low or moderate income
other credit-related projects, or financing programs; level of opportunity for bank
degree of involvement of the local financial institution industry and of the specific financial
institution (if obtained) in the community.
Habitat for Humanity of Citrus County, Inc
A world where everyone has a decent place to live.
Seeking to put God's love into action, Habitat for Humanity brings people together to build homes, communities and hope.
HABITAT FOR HUMANITY OF CITRUS COUNTY MISSION STATEMENT
Habitat for Humanity of Citrus County is a nonprofit, ecumenical Christian housing ministry who seeks to put God's love into action by bringing people together to build homes, neighborhoods and hope. We work to eliminate substandard housing for people of all backgrounds, races and religions by providing simple, decent, affordable housing to those who have a need, ability to pay and willingness to partner.
Driven by the vision that everyone needs a decent place to live, HFHCC was founded in 1993. Since then, HFHCC has increased the number of houses we build each year in Inverness, Crystal River, Homosassa and Hernando. Blessed with the support of benefactors, churches, businesses, civic organizations and others, we celebrated our 25th year with the completion of 175 homes. To date we have completed construction on 175 homes.
Habitat for Humanity is not a charity or a give-away program. Partner families pay a small down payment and maintain a no-interest mortgage. They also invest hundreds of hours of labor—sweat equity—into building their own homes and the homes of others. Through financial support, volunteering or adding a voice to support affordable housing, everyone can help families achieve the strength, stability and self-reliance they need to build better lives for themselves. Partner families work alongside generous Habitat volunteers who donate time, skills and energy to help build the houses.
We are people from different faiths, diverse backgrounds and many economic levels. We work toward a common goal, honoring the dignity of each person by helping each one secure a safe, secure and decent place to live.
"As a matter of policy, Habitat for Humanity International and its affiliated organizations do not proselytize. This means that Habitat will not offer assistance on the expressed or implied condition that people must either adhere to or convert to a particular faith, or listen and respond to messaging designed to induce conversion to a particular faith".
Habitat for Humanity of Citrus County, Inc., is pleased to share our story about Southern Pines Village in Inverness, Florida located in Citrus County. The team at Habitat envisioned a deed restricted Habitat village in our county to bring people together in a neighborhood setting. Historically, Habitat for Humanity's construction lots have been scattered throughout the county, mainly as a result of donor gifts. Southern Pines is the first time that the Citrus County affiliate has had the opportunity to create its own deed restricted village in Citrus County Florida.
Southern Pines Village is a 33 single family community for qualified families earning under 80% Area Medium Income. Today 24 families reside in Southern Pines Village in Inverness Florida and the remaining 9 will take residence in early 2019. The homes are on quarter-acre lots and include paved streets and city water.
The development is located on S. Apopka Avenue and is only a few blocks from Downtown Inverness. This subdivision is close to shopping, dining and many healthcare facilities along Highland Boulevard, including Citrus Memorial Hospital.
Home Ownership Requirements
• You must have lived or worked in Citrus County for the past 12 months.
• You must be a US Citizen or Permanent Resident.
• If married, you must apply with your spouse.
• You must wait 2 years after foreclosure or bankruptcy has been finalized.
Family Selection Criteria
A volunteer Selection Committee consisting of Citrus County citizens considers applications based on the following criteria:
• You do not already own a home.
• You are currently living in substandard housing, which would include any of the following conditions:
- Home is in poor physical condition.
- Home is overcrowded.
- Rent is subsidized.
- Rent is more than 30% of income.
• Your household gross income is between 35% and 80% of the area median income.
Income Eligibility (effective 05/14/2019)
Annual Gross Income Guidelines for Consideration of
HFHCC Partnership for Homeownership
Ability to pay
• You have proof of at least 1 year of steady, verifiable, annual income.
• You do not have any judgments or liens against you.
• You do not have excessive debt or multiple accounts in collection.
• You pay your rent on time.
Willingness to partner with Habitat
• Contribute 500 hours of sweat equity hours.
• Attend Habitat homeowner training classes.
• Pay $2,000 towards closing costs.
Sweat equity is the single most important strategy Habitat uses to empower future homeowner families (partner families) and one of the features that sets us apart from other affordable housing providers.
Habitat uses the term “sweat equity” to refer to the hours of labor our homeowners dedicate to building their homes and the homes of their neighbors, as well as the time they spend investing in their own self-improvement. Habitat for Humanity of Citrus County partner families begin their sweat equity after being accepted into the program, and they must complete a minimum of 500 hours before they can move into their homes.
Sweat equity reduces the amount of paid labor needed for a house, which in turn helps reduce cost. Additionally, time spent building their own homes instills a sense of pride and ownership, teaching the basic building and house-maintenance skills that are necessary for home ownership.
Most importantly, by going beyond a mere financial investment in their property and performing sweat equity alongside other volunteers and neighbors, Habitat homeowners gain a greater sense of self-worth and become more personally invested in their community.
How To Apply
***APPLICATION PERIOD IS NOW ***OPEN***. PLEASE SEE THE LATEST NEWS ON OUR HOME PAGE FOR DETAILS REGARDING HOME OWNERSHIP INFORMATION SESSIONS AND ORIENTATIONS***
The first step toward homeownership is by attending a Homeowner Orientation Session. Call Family Services at 352-563-2744 or visit our office at 7768 W. Gulf to Lake Hwy, Crystal River, FL 34429 to find out when the next orientation is.
Frequently Asked Questions
Are Habitat for Humanity homes FREE?
No. All Habitat for Humanity homeowners pay a small amount of closing costs when they have completed the program and all Habitat for Humanity homeowners will pay a monthly mortgage loan payment until the home is paid in full, usually after 20 to 30 years. One of the benefits of having a Habitat for Humanity home mortgage in Citrus County, Florida, is that our mortgage loans are 0% interest. Paying no interest on a home mortgage saves our homeowners hundreds of thousands of dollars over the life of their loan compared to getting a mortgage elsewhere.
Why aren't the home free? I thought habitat homes were built with donated money, materials and volunteer labor.
Some land is donated, some land Habitat for Humanity must buy. A few materials are donated to every home build; the rest Habitat for Humanity must buy. Some labor is volunteered; but some things only licensed & insured professional contractors such as electricians, plumbers, heating & cooling installers, and roofers must do. Cash donations and grants help pay for some of the costs, and selling the donations of gently used items at our ReStore helps pay for the rest. Habitat for Humanity could not exist without the generosity of our donors & volunteers. Our homeowners also play an important part in building more homes: as each new homeowner pays back the cost of building their home, they provide more money to Habitat for Humanity so that we can build more homes.
Are Habitat for Humanity homes available for rent?
No. Habitat for Humanity of Citrus County does not rent homes.
Does Habitat for Humanity provide emergency housing/shelter?
No. We recommend you contact your local Red Cross or United Way for emergency housing.
When and where are the Home Ownership Information Sessions held?
Typically, we hold "How to Become a Habitat Homeowner" oreintation quarterly. We will announce in the local paper, local radio station, on our website and our Facebook page when we will be holding the next homeowner orientation session.
Who can help with my sweat equity hours?
Each Partner Family must contribute a total of 500 "Sweat Equity" hours prior to the sale of the home to the family. The Partner Family must complete 250 hours before they are in line for a home, and the Partner Family must contribute 100 hours themselves toward the construction of their house. If the Partner Family includes 2 adults, a total of 200 hours out of the 500 hours must be completed by the Partner Family themselves, and the remaining 300 hours may be contributed by extended family & friends. When there is only 1 adult in the Partner Family, a total of 100 hours out of the 500 hours must be completed by the Partner Family themselves, so 400 hours may be contributed by extended family & friends. Children in the Partner Family must be at least 18 years old to contribute sweat equity hours on the construction site, 16 years old for the Habitat ReStores and at least 10 years old and accompanied by a parent for sod lays. However, younger Partner Family children are also able to contribute sweat equity hours by earning good grades in school.
I know nothing about building a home. How am I going to be able to help on a job site?
At each job site we have a Construction Director and/or a Site Supervisor who will instruct you in what needs to be done. Every job is important, even the cleanup. You will learn important skills for the upkeep of your home as well.
Will I immediately be able to move into my house when my hours and classes are complete?
Home availability depends on the building schedule. You may have to wait for your home to be built. First your home is completed, an appraisal is performed, and a Certificate of Occupancy must be issued by the local building inspector's office, and you can get a homeowners' insurance quote. Then we can begin the paperwork for closing on the sale of your home to you. This paperwork will take about 1 month to complete. Usually our homeowners are able to move into their homes on the day of (or shortly after) their closing paperwork is signed. The keys to the home are given to the homeowner(s) at their home dedication.
If I tell you how much money I make, can you tell me if I qualify for a Habitat house?
No. Your income is only part of the qualification process. First, we can NOT take any income information by telephone. You should only provide your income information when you submit a written application during our open enrollment periods. Second, Our Family Selection Committee reviews your entire completed application and performs a home visit to see your current living conditions in order to decide if you will qualify for our Home Ownership Program. We Income Guidelines posted on our website, which you can review. The minimum and maximum income shown is based on the number of people who will live in your home.
If I tell you how much money I make, can you tell me how much my house payment with Habitat would be?
No. First, we can NOT take any income information by telephone. You should only provide your income information at your scheduled application appointment. Second, when you become a homeowner, part of your monthly payment is based on how much your homeowners' insurance premium will be, and how much your property taxes will be. We do not know how much either of those things will cost until the home is built and the completed home is appraised. Finally, while your income is part of how much your payment will be, we also look at your debts and other financial matters as well as your household size when reviewing your application to see how much you can afford. We want each of our homeowners to be successful when repaying the mortgage on their home.
By Rose Strawn, Family Services Director, Habitat for Humanity of Citrus County, Inc.
We would like to begin this story of our Habitat Mission by defining our purpose. “We seek to put God’s love into action, by bringing people together to build homes, communities and hope! We do so, through the dreams of our Partner Families, who are striving to improve their lives with determination, with assistance, in the form of a “hand up, not a hand out”, from our Construction, Family Services, ReStores and our Administrative Teams, as well as, numerous Habitat Volunteers and Donors, in the many facets of our operation. Ultimately, achieving the “American Dream” of Homeownership!
Looking back, we do so with a real sense of accomplishment with nearly 180 families achieving Homeownership in partnership with our Habitat Affiliate. These homes were completed through our fiscal year ending in June 2019. Presently, we are working on completing homes in our Southern Pines Village in Inverness, as well as permitting new homes in the North Highlands area in Inverness. In our not too distant future, we envision the development of villages in our newly acquired Citrus Springs area!
As those of us either working with or volunteering with our Habitat Affiliate look forward to what our future holds, please be mindful of the following scripture: Roman’s 8:28: ….and we know that in all things GOD works for the good for those who love HIM, who have been called according to HIS purpose”!!
God Bless and Keep, as we thank you for helping us further our Habitat Mission!!! Rose Strawn/Family Services Director