Homeownership with Habitat for Humanity Québec

Habitat for Humanity Quebec builds homes in partnership with selected families, volunteers and community members. Once the homes are built, Habitat for Humanity Quebec sells them to selected partner families, with no down payment required, and a minimum 70% interest savings on mortgage loans.

What you need to know to participate in the Habitat for Humanity Quebec homeownership program:

Mininimal requirements:

• Living in inadequate conditions;
• Not already be a homeowner;
• Have at least one dependent child;
• Be a Canadian citizen or have permanent residency for a minimum of two years
• Have a minimum gross family income of $75,000

Beyond the minimum requirements, Habitat for Humanity Quebec uses the following three principles to select families:

• The need for adequate, affordable housing;
• The ability to pay a mortgage, including an interest-bearing portion;
• Willingness to partner with Habitat for Humanity.

NEED

Is your current home too small for your family? Is your current home in poor condition and could affect your family's health and safety? Is the rent too high for your income? You may be eligible to purchase a Habitat for Humanity Quebec home.

THE FINANCIAL ABILITY TO PAY A MORTGAGE AND OTHER PROPERTY-RELATED EXPENSES

Your family must have a sufficient annual income. Gross family income includes the wages of employed family members and excludes family allowances. Habitat for Humanity Quebec does not accept families whose sole source of income is social assistance or employment insurance.

Previous bankruptcy does not disqualify you from owning a Habitat for Humanity home; however, at the time you apply for a Habitat for Humanity home, you must have been discharged from bankruptcy for at least 3 years.

WILLINGNESS TO BECOME A PARTNER

Your family will be required to contribute 500 volunteer hours to Habitat for Humanity, either in the construction of your home or through other Habitat for Humanity programs, such as Habitat for Humanity Quebec stores. You'll also be required to attend a series of workshops to familiarize yourself with the finances and responsibilities of homeownership. Finally, you'll need to agree to promote Habitat for Humanity at public events.

If you are interested in becoming a Habitat for Humanity homeowner, please complete the prequalification form.

If you meet the prequalification criteria, you will be invited to attend an orientation meeting where you will learn more about how Habitat for Humanity Quebec works.

Please note that the process takes several months.