we are building a better future

Habitat for Humanity Golden Empire (HFH GE) builds and repairs homes in partnership with hardworking, low-income families and individuals. We offer a hand-up, not a handout, by providing a once in a lifetime opportunity to build a long-term investment for the future.


Habitat homes and home repair services are affordable thanks to government subsidies, volunteer labor, and community support. Homebuyers selected by Habitat pay a modest down payment, invest 200 – 500 hours of “sweat equity” in the construction of their home, and are responsible for monthly mortgage payments and upkeep. In addition, HFH GE prepares Habitat Homeowners to be successful through a comprehensive homeownership education program.


for ownership


Habitat for Humanity Golden Empire does not build houses FOR families;

we faciliate a partnership among families who:

  1. Demonstrate need

  2. Have the ability to pay the mortgage

  3. Are willing to partner in the construction of their home

This partnership also engages community supporters who join the families in the home building process and provide both financial and in-kind support for building supplies and materials. Homeowners invest their own labor, or "sweat equity" into building their Habitat house and they pay back a no-profit, low-interest mortgage.

Habitat Homebuyer Program Criteria:

  1. Homebuyers must be able to pay an affordable mortgage.

  2. Habitat Homebuyers must fall within program income guidelines.

  3. Homebuyers must have good credit (no recent bankruptcies, collections, liens or judgments).

  4. Habitat Homebuyers must demonstrate a need for decent and affordable housing.

  5. Homebuyers must be willing to partner with HFH GE by completing the following:

  • 200-500 Sweat Equity hours

  • A HUD-certified pre-purchase homebuyer education workshop

Habitat for Humanity Golden Empire provides equal housing opportunities for all, and ensures fair and equal access to its programs and services regardless of race, color, religion, gender, national origin, familial status, disability, marital status, ancestry, sexual orientation, source of income, or other characteristics protected by law.