Homeowner FAQ

Equal Housing Opportunity

Where are Habitat houses built?
Habitat STW is currently building houses primarily in Abita Springs and Covington and occasionally in Mandeville. We are always searching for new land and our building locations can change according to what land becomes available. Our service area includes Abita Springs, Covington, Folsom, Madisonville and Mandeville.

Can you build on my land?
Whether or not we can build on a particular plot of land is determined on a case-by-case basis. If you are accepted into Habitat's program, we will look into your particular lot to see if it is possible for us to build on it. Some common considerations in this decision are the state of the land, its location, its size and our construction schedule.

What do the houses look like?
The motto of Habitat for Humanity is to build simple, decent, affordable housing. Our houses are not extravagant – instead they are meant to provide a safe and decent home for a family that would not otherwise be able to afford one. Habitat STW houses are 1100-1250 sq ft, and have 3 or 4 bedrooms and 1.5 – 2 bathrooms. The size of the house is determined based on family size. They come with central air, a refrigerator and a stove. Families choose the color of the siding, shutters, floors, cabinets, & countertops.

How much does it cost?
Habitat houses are sold for a no-profit, no-interest 30-yr mortgage. That means you only pay for the cost of building the house, no profit to us. Monthly payments on that mortgage usually range from $350-$450 a month including property taxes and insurance.

If I get a Habitat house, does Habitat still own it?
No. For most purposes, Habitat houses function just like any other house. Once you sign the mortgage, if you keep making your mortgage payments, the house is yours. If you pass on, you can will it to your children or members of your family just like any other house. If you choose to sell the house, Habitat STW has the first right of refusal (the option to buy it back before you sell it to anyone else).

What is included in a Habitat Homebuyer partnership?
  1. Agreeing to complete the required hours of sweat equity. Includes working with volunteers to build your home and the homes of other families, attending workshops and participating in other activities
  2. Accepting responsibility for maintenance and repairs after purchasing your home.
  3. Paying your mortgage regularly and on time.
  4. Understanding that Habitat will maintain an ongoing relationship with you. This includes follow-up visits and offering opportunities for financial and household maintenance education.
Where can I get more information?
Please contact us at (985) 893-3172 ext 225 or 227. You may also print out and complete your Personal Profile Form and Instructions and call the Homeownership Center for an appointment at (985) 893-3172 ext 225 or 227.