New Orleans Area Habitat for Humanity
New Orleans Area Habitat for Humanity, since 1983, has been working in partnership with hardworking, low-income families in New Orleans to build and finance safe, decent, and affordable new and rehabbed homes. The program makes homeownership possible for families who are unable to qualify for traditional home loans but have a stable income, good or no credit, and the willingness to contribute 350 hours of sweat equity building Habitat homes. Mortgage payments are based on income, up to 30% of total monthly income, and include principal, taxes, insurance, and a termite contract.
Our Community: NOAHH is currently working with families to build homes in the 7th Ward, St. Roch (8th Ward), the Upper 9th Ward, Central City and New Orleans East.
Anna Danese, Director of Family Services
Number of Homes Available: 75+
Number of Homes Under Construction: 10
3 bedroom / 1 bathroom (1,100 SF)
4 bedroom / 2 bathroom (1,250 SF)
Prices: Homes are priced at the appraisal value of the home with a soft second mortgage offered to make monthly payments more affordable. The monthly mortgage payment average at no more than 30% of total monthly income and include principal, taxes, insurance, and a termite contract on a zero interest mortgage.
350 hours of sweat equity on the house or another Habitat project in lieu of down payment; zero interest mortgage; potential to qualify for IDA; NOAHH’s soft second mortgage of $20,000-40,000 which provides resources to help make homeownership more affordable.
Applicants must make at least $1600 a month before taxes and no more than the maximum income (80% AMI) allowed for their household size. Applicants cannot have more than $2000 of past due debt (collections). You must have also lived or worked in the greater New Orleans area for at least 1 year, must not currently own a home, have a need for shelter, and a willingness to partner with our organization.
Counseling Agency Partner:
Home Features: Central heat and air, composite asphalt shingle roof, radiant barrier roof decking, energy efficient windows, Hardie siding and trim, laminate wood floors or carpet, ceramic tile, new whirlpool refrigerator, new Whirlpool refrigerator and stove, backyard, and landscaped front yard.
Green features: Our main focus is to reduce energy and water usage so that monthly utility bills remain affordable for our partner families. We achieve this by utilizing advanced framing techniques that allow us to maximize insulation throughout the house while reducing the amount of lumber needed. Recycled blue jeans insulation is used in the walls; closed cell spray foam is used under the house; and R30 recycled cellulose fill insulation is used in the attic. To reduce thermal bridging, blue foam board is mounted on the exterior walls before Hardie Plank siding and trim is installed. WaterSense fixtures and toilets are installed to reduce water waste, and ENERGY STAR appliances and windows help with energy efficiency. Additional green building practices are used throughout the building process.