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Home Ownership

Frequent Questions

  • What does Habitat for Humanity do?

    Habitat for Humanity of Henderson, Ky helps build safe, decent and affordable homes for low-income families in the community. There is a process to becoming a homeowner which starts with applying during our annual housing fair each year. Our Habitat also runs a ReStore that accepts merchandise donations such as beds, appliances, doors, cabinets, furniture and more. We in turn sell the items at low discounted prices to the public. Those proceeds are then used to help us put more money towards building homes in the community as well as keeping the lights on and maintaining a small staff.

  • How can I get involved?

    Henderson Habitat is funded entirely by donations, grants, volunteers and our ReStore. We are always looking for great people who want to help make a huge difference for families in the community and be apart of making Henderson a great place to call home.

  • If I donate money, how will Habitat use it?

    Administrative costs are covered by the Habitat Store revenue so that 100% of cash donations can be used to build homes. All contributions are used where most needed, for construction materials, building permits, subcontractor fees or other construction expenses.

  • What is your organization's privacy policy?

    Henderson Habitat takes our privacy policy seriously. We make sure that the proper steps are taken to protect and ensure the safety of our supporters. We will not sell or otherwise disclose information about our volunteers or supporters outside of our immediate affiliate. This policy has no exceptions. We will not sell or exchange your information with any other organizations, public, private or nonprofit. For more detailed information visit our Privacy Policy page.

  • Are Habitat houses free?

    No, a Habitat home is not free. Our affiliate has never given away a home. Habitat wants to give a hand up, not a hand out. There is a process that begins with a pre-application, approval committees, home visits, partnership agreements, required classes to take and many hours volunteering "sweat equity". Once a family has been approved for the program and completed all the requirements, they are re-qualified once more before being allowed to purchase the home. They are then sold the home at a 0% interest rate on a fixed mortgage term between 15-30 years. Habitat is the builder and the mortgage lender. The new homeowner will then make payments each month to Habitat.

  • How are homeowners selected?

    Anyone can apply for a home loan thru the Henderson Affiliate office if they have either worked or lived in Henderson County for at least the last year. There is an NMLS and Homeowner Selection Committee that assesses each applicant’s level of need, their willingness to become partners in the program and their ability to repay a mortgage loan. Once they get approved with each committee, they are presented to our Board of Directors for final approval.

  • Can I volunteer even if I can’t build?

    Yes. Habitat needs volunteers to work on many different things from the ReStore to the build sites. Some of these tasks may be working on special events like the annual Tri-Fest 5k race, mentoring families, fundraising, entering donations into the computer, or working in the ReStore helping with donations, merchandising and assisting customers. If you would like more information about volunteer opportunities, call Theresa Steele, Volunteer Coordinator at 270-826-0015 Ext. 5

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