Habitat for Humanity of Montezuma County, based in Cortez, CO, offers a Homeownership Program that provides safe, stable, and affordable housing opportunities for qualifying individuals and families. Applicants begin with an online orientation that explains the program structure and eligibility criteria. The selection process is based on three key factors: demonstrated need for housing, willingness to contribute 250 hours of “sweat equity” per adult, and the ability to afford a mortgage capped at 30% of gross monthly income. Mortgage payments support the construction of future Habitat homes, extending the program’s impact across the community.
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