Fort Collins Habitat for Humanity Subordinate

Today, in our community, homeownership is possible for hardworking families, one that builds a path for future success thanks to Habitat for Humanity and our community of volunteers and supporters.

Today, families are able to build and buy their own homes. The security of this investment, of a reliable, affordable mortgage, will allow them to weather hardships. Stability serves as a launching pad for self-reliance. With a strong base and solid structure, Habitat homeowners can build the independence they need for true freedom and opportunity.

And that’s more than just a roof over a family’s head.

Families earning a low-to-moderate income are most vulnerable to the pitfalls of the housing market, at the mercy of external forces. Habitat homeowners invest in themselves and their futures, building stability, financial security, and community connection, empowering them for long-term success.

With the support of generous donors, we provide the building materials. We also mobilize volunteers (over 2,700 in 2021) to build the house.

This is not a hand out. The future homeowner has to contribute, too.

"Partners" (as we call our homeowners) pay Habitat a zero percent fixed-rate mortgage payment that does not exceed 28% of their income. They contribute $1,500 towards closing costs and up to 400 hours in "sweat equity" building their own home and those of others.

Habitat also provides families the necessary know-how to be successful homeowners. Prior to closing, families participate in a series of six homeowner education classes and a nine-week program to help them budget and manage their money.

Driven by the vision that everyone needs a decent place to live, Fort Collins Habitat has partnered with families for more than 25 years to build places that they can call home.

Our work focuses on increasing access to homeownership and housing finance, improving housing affordability, helping our community prepare for and respond to natural disasters, and building strong and resilient neighborhoods.

While we celebrate the many individuals served by Habitat who have a safe place to rest their head each night in Fort Collins, there are thousands more without adequate housing. This level of need requires action so we invite you to join us. Together we can build strength, stability, and self-reliance alongside hardworking families and all of Fort Collins can thrive.

Now celebrating our 27th Anniversary, Fort Collins Habitat is proud to have built more than 75 homes across Fort Collins, providing a safe, stable and affordable housing solution.

Our work today also includes advocacy which advances access to adequate and affordable housing locally and globally through changing policy and systems.

We are proud of the work that we have done in our 29 years of service in Fort Collins but we know there is so much more to be done. We are experiencing an affordable housing crisis in Fort Collins. In Fort Collins alone, there are over 10,000 households that could qualify to become Habitat homeowners. That coupled with the rising costs of construction, has many families earning a low to moderate-income searching for the stability of an affordable home and turning to Habitat for a solution.

In the next 2 years we will build the remaining 24 homes at our largest development to date, the Harmony Cottages. Once completed, this neighborhood will house 48 local families; that is stable and affordable homeownership for approximately 144 people.