Habitat for Humanity Grey Bruce is a non-profit corporation with an Affiliate agreement with Habitat for Humanity Canada. People in our community and all over the world partner with Habitat to build or improve a place they can call home. Habitat homeowners help build their own homes alongside volunteers and pay an affordable mortgage. They are given the opportunity to thrive so to build a better life for themselves and their children.
A world where everyone has a decent place to live.
We create opportunities for people to thrive through innovative housing solutions.
Habitat for Humanity was founded in 1976 in Americus, Georgia by Millard and Linda Fuller. The ongoing involvement of former United States President Jimmy Carter and his wife Rosalyn has brought widespread awareness to our organization. Habitat now works in every province and territory in Canada and in more than 70 Countries around the world.
In 1987, a group of citizens, concerned about the lack of affordable housing in Grey and Bruce counties, heard about the work of Habitat for Humanity International and decided to initiate a local Habitat chapter in Grey/Bruce. These dedicated volunteers built the first house in Owen Sound in 1988 taking out personal loans to fund the cost over 35 years over 60 houses have been built throughout Grey and Bruce.
Through our unique affordable homeownership program, we offer families a hand up, creating opportunity for them to thrive and build equity.
Habitat Grey Bruce partners with families who are ready for the responsibility and challenges of homeownership, but do not qualify for a traditional mortgage. The selection of families is based on three criteria: demonstrated need, ability to pay a Habitat mortgage and willingness to partner.
Selected families must contribute 500 volunteer hours “sweat equity” and single parent families, 350 hours, helping build their own home. We keep our homebuilding costs low through the support of volunteers and donated building materials and services.
Every family is required to attend homeowner education workshops including financial literacy, budgeting and estate planning. Since families are responsible to maintain their home, Habitat also provides training on home maintenance.
Families purchase their home from Habitat Grey Bruce at fair market value with a no down payment, no interest, 20-year term mortgage held by Habitat. This removes barriers to homeownership for families who do not qualify for a conventional mortgage.
Mortgage and property tax payments are calculated annually based on 25% of a family’s household income. This makes buying a Habitat built home affordable. As families pay off their mortgage, these funds are re-invested into Habitat’s homebuilding program to provide more families the opportunity of affordable homeownership.