The Habitat Model: How Chipola Area Habitat for Humanity Works

How well do you know Habitat for Humanity? ​​​​​​Like most charities, there are some surprising misconceptions about our organization. Let’s dispel the three most common myths about Habitat for Humanity.

1. Myth: Jimmy Carter started Habitat for Humanity. Truth: He didn’t start the organization, but he is arguably our most famous volunteer. Jimmy and Rosalyn Carter have been involved with the organization since March 1984.

2. Myth: Because volunteers help us build homes  and we receive donated items it doesn’t cost us anything to build a house.  Truth: In Jackson and Washington counties, we need to raise $80,000 for every house we build.  ​​​​​​​

3. Myth: Chipola Area Habitat for Humanity gives our houses away.  Truth: This couldn’t be further from the truth: Our homeowners pay mortgages and during the construction process, also contribute ‘sweat equity’ during the construction of their homes and those of others.  ​​​​​​​

So how does the Habitat process work?  Through five equally important steps.

about-habitat model

1. FUND: Donations from community companies, individuals, and faith groups fund Habitat home construction.

2. BUILD: Volunteers and homebuyers build homes, often with donated materials and labor.

3. EDUCATE: Financial education courses prepare families for homeownership.

4. BUY: Homebuyers purchase homes with favorable financing terms.

5. REINVEST: All mortgage payments are reinvested back into the program.

Through this model, Chipola Area Habitat for Humanity is able to continue to provide safe, affordable housing for families in need, a mission we are honored to uphold.