Program Overview

Program News

​Cheboygan County Habitat for Humanity (CCHFH) collaborates with individuals from all walks of life to construct homes, communities, and hope. We believe that everyone should have access to safe, stable, and affordable housing as a fundamental human right. We are committed to helping you create a better future for you and your family that will endure for generations. Together, we will work side by side to assist you in building a new home and acquiring the skills necessary to become a successful homeowner. While becoming a homeowner requires hard work, with assistance from volunteers and donors, we can build a stronger future together.

Habitat houses aren't free. Habitat home buyers work hard to create a permanent solution to their housing struggles, and they purchase their homes from Cheboygan County Habitat for Humanity with an affordable mortgage product, typically not exceeding 30% of their monthly income.  Applicants are first selected to be part of our Homeownership Program and then work to purchase their home via an affordable mortgage option. 

Program Partners are selected based on:

• Level of need;
• Ability to pay an affordable mortgage, including meeting income guidelines for our family size;
  • ​Household income must fall within a minimum of $30,000 or 30% of the Area Median Income (whichever is larger) and a maximum of 80%. 
    
• Willingness to partner, which includes taking classes in financial management and budgeting, home maintenance, as well as performing ‘sweat equity hours’ to help build, renovate or repair projects under construction.​
• Live or work in Cheboygan County for the last year; 
• Must have a mortgage pre-approval for at least $195,000.
  • ​Homes will be sold at appraised value. Applicants who can't afford the sale price will have to take on a silent second mortgage. 
    

Summer 2024
Cheboygan County Habitat for Humanity has just broken ground on a new Home Rehab Project in the City of Cheboygan! This 3 bedroom, 1 bath home will be available for volunteers to help demo and remodel! 

Fall/Winter2024
We are actively seeking Program Partners to partner with us for the 2024 build season. We are seeking three families hardworking families for our upcoming projects. All the homes will be located within Cheboygan County.

Those interested in applying for our program need to refer to our process below for homeownership requests.​ 

Ability to Afford a Mortgage 

​Applicants must be able to afford a mortgage for their home build or rehab. CCHFH serves community members falling between 30 - 60% of the Area Median Income as set forth by HUD. Applicants falling between 60-80% of the AMI, but can't qualify for a conventional mortgage are encouraged to call us for more details. 

Need for Housing

​Applicants must have a housing need. This can vary for each household and situation. For example, your current shelter has problems with the heating, plumbing or electrical systems, mold issues  etc.  You could also be paying to much for your current living situation or having overcrowding issues. Need can vary for each applicant applying to our program. ​

Willingness to Partner

One of the main components to our programs is Sweat Equity. If you are approved for this program, each able bodied adult in the household must be willing to put in 200 hours of sweat equity with 100 of those hours to be completed before a project is offered to you. Our goal is for you to learn and enhance your skills so you can maintain your home for the future. 

Are you ready to take the next step? 

Every day, people in your community and all over the world partner with Habitat for Humanity to build or improve a place they can call home. Through our program, Habitat Program Partners achieve the strength, stability and self-reliance they need to build a better life for themselves and their families.

To start the process, all applicants must partner with Habitat for Humanity of Michigan for financial coaching and for determining if you are mortgage ready. 

The first step in our process is to: 

1. Complete the intake information by going online to https://hfhm.force.com/hfhmcft and choosing sign up now. 
   1. You will want to select homeownership promotion - Cheboygan County and then classes and courses. 
   2. Complete your intake appointment. 
2. Or call (517) 485-1006 X 135 and asking for an intake appointment. 

Homeownership Program Application will not be provided or accepted locally without a USDA Pre-Approval. Call the Traverse City USDA Office at 231-941-0951 Ext. 4 for more information or start the USDA Assessment here.