Latest News!

Habitat is off to a great start this year! We are finishing up a house #25 and starting 2 new homes for families #26 and #27 in Desloge and Park Hills.  

If you would like to volunteer, give us a call at 760-1702. We need concrete contractors, framers, plumbers, electricians, drywall hangers and finishers and many general laborers. 

As always, thank you for your continued support!

Linda Dickerson-Bell

Executive Director

Become a Homeowner

How can I own a Habitat home?

If you think you meet our qualifications, call the Habitat office at 573-760-1702 to set up a time to do an application.

 What does a Habitat home include:

  • Energy efficient construction
  • Decorating choices
  • Donated Whirlpool range and refrigerator (When available)
  • And much more!


You will be considered for a Habitat home if:

A. You are unable to purchase adequate housing through conventional means. You may also be experiencing such factors as overcrowding or heating system problems.

B. You agree to lived in St. Francois County and build in a community where HFHofSFC has available lots.  (You would have a choice of lots in a particular school district of your choice, assuming that we have lots available in those communities).

C. Your family total income does not exceed 60% of the median family income in St. Francois County (this can be determined when you do your application with the office).

D. Monthly payments on your debts must be less than 41% of your income. These debts include car payments, medical bills, credit cards, student loans, personal loans and your house payment to Habitat, but do not include current expenses, such as utilities and phone.

Willingness to Partner

A. Complete 500 hours of sweat equity of which the first 100 hours must be completed within 90 days of signing the family partnership agreement. 

B. Work with a Family Partner who will assist you through the process.

What Is Sweat Equity?

Equity is the value of the property beyond the amount owed on it. Sweat equity is equity homeowners earn by working to help build their home with Habitat volunteers. Of the 500 hours, ½ must be completed by occupants of the house and ½ may be completed by other family and friends.


Selection Process

1.   You must have an appointment to complete the application. you can set up the appointment to do the application in person by calling 573-760-1702. 

2. You will need to bring in documents to be able to complete the application.

  • 2 years tax returns with w-2's
  • 2 months bank statements
  • 2 months of pay stubs
  • Proof of child support paid and/or received
  • Copy of Divorce Decree if applicable
  • Proof of Child Care paid
  • Picture ID
  • Proof of birth dates and SS numbers for each person in the household

 We will verify your income, have a credit check done, and check references, including landlord(s).

3. If you meet the credit criteria, you will meet with members of the Family Selection Committee.

4. If you meet all the above criteria, the Habitat board will review all information for its approval.

5. You will be notified.

Credit Problems

When you have very little money, it is difficult not to have credit problems. However, it would be awful to go through all of the steps required to become a homeowner—and then lose your house because you cannot make the monthly house payments. Therefore, we do require that an applicant have good credit to be accepted. If you have credit problems and wish to increase your chances of being accepted, you may want to contact the following nonprofit organization:

Clear Point Financial Solutions
Formerly Consumer Credit Counseling Service
573-760-1510;  1-877-422-9045
Call M-R 7:30 am – 7:00 pm; F 7:30 am – 5:00 pm
You do not need to come in. 
They can help you by phone and through the mail.
A member of the Better Business Bureau who has been
in the business of getting people out of debt.


Your House Payment

Since you will actually be buying your home from Habitat, you must demonstrate your ability to pay the monthly house payment. This payment will include not only the mortgage payment, but also the payment for real estate taxes and homeowners insurance.  

We will help you to determine if this payment will jeopardize your ability to meet all your other family financial obligations and expenses. We can also help you if you need to develop a budget to determine your eligibility.

Your monthly house payment will include:



Property taxes





 If Your Family is Selected...

1. You will meet your Family Partner and sign an agreement form.

2. Your Family Partner will work with you to determine whether we have or can obtain a lot in a neighborhood in which you wish to live. When a site is available, then you will begin the next step.

Note: If we do not have a lot, Habitat will attempt to locate one. However, other qualified families for whom lots are available may be started while the lot search is taking place.

3. We will work with you to select a floor plan from the stock pans that HFHofSFC has on hand.  

4. There will be a ground-breaking ceremony. The ground preparation work will be done and the concrete footings poured.

5. Building will begin. You, your family and friends, and other Habitat volunteers will work together. Plumbing and electricity will be done by professionals who volunteer their time.

6. Once you have met the sweat-equity requirements, made a $500 down payment, and met other agreed-upon Family Partner requirements, we will have a closing and sell you the home.

7. Finally, we will have a House Dedication.

Homeowner Application Packet

Download the Homeowner Application to be reviewed for elgibility.

After the application has been submitted, there may be additional information requested of you.


Equal Housing Opportunity

We are pledged to the letter and spirit of U. S. policy for the achievement of equal housing opportunity throughout the nation. We encourage an affirmative marketing program in which there are no barriers to obtaining housing because of race, color, religion, sex, handicap, family status or national origin.