FAQs
Most Popular Questions
Welcome to our Frequently Asked Questions page. Whether you are looking to volunteer, donate, or learn more about our programs, we’ve gathered the most common questions to help you find the information you need quickly
How can I sign up to volunteer for an event?
Visit our Volunteer page to learn more about how you can get involved.
Where do I find information for veterans?
Visit our Veterans page to find information on Veterans Build.
What is Aging in Place?
Habitat helps older adults age at home, through evaluating indivdual needs and providing critical home repairs, modifications and community services.
Find more at Aging in Place.
I am homeless, or in danger of becoming homeless; Who can I call?
What is Sweat Equity?
Habitat does not give homes away. Our qualified homebuyers help build their houses by putting in 200 hours of "sweat equity". Then they purchase their houses with an affordable mortgage that we provide. Homebuyers qualify by demonstrating their need for a Habitat house, their ability to pay for it, and their willingness to accomplish their sweat equity hours and other requirements, like completing a financial education program.
How do I qualify for a Habitat home?
Homeowners qualify by demonstrating their need for a Habitat house, their ability to pay for it, and their willingness to accomplish their sweat equity hours and other requirements, like completing a financial education program.
Click on Buy a Home.
What locations do you serve?
You have to live or work in Pine, Isanti, Chisago, Kanabec or Mille Lacs counties in MN.
What if I live in a different state?
You can apply for a Habitat home in a different state, but you generally must move to that area to live or work there before applying. Because applications are managed locally, you must apply to the specific local affiliate where you intend to live, not the national headquarters. Many affiliates require applicants to have lived or worked within that service area for at least 6-12 months. If you are planning to relocate, it is best to contact the local affiliate to discuss your relocation timeline.
Can I make a donation for a specific county or project?
Visit our Donors page to find more information.
How can I make a donation?
Click on Donors Page for information.
What are your office hours?
As we cover five counties, it is best for you to contact us at 763-689-0288 to schedule an appointment. Thank you!
How can I contact you?
By phone? Mail? You may find contact information by clicking on Contact Us.
Are you on Facebook?
Can you add me to your mailing list?
What if I don't have any experience building a house but I want to volunteer?
Many volunteers have questions when they first get started. Whether you are volunteering onsite or offsite, there is always someone available to provide training and answer any questions you may have.
Re-Store Locations
East Central Minnesota Habitat does not have any Restores.
However, you can find the nearest ReStore (United States and Canada) by using the Habitat for Humanity ReStore locator website.
Humanity ReStore home improvement outlets are open to the public. Proceeds help local Habitat affiliates fund the construction and repair of affordable homes in their communities. They sell used and surplus building materials, furniture, appliances, and other household goods at a fraction of retail prices.
Is there a home build scheduled for 2026?
We will be having a home build in 2026 in Ogilvie.
When is the next housing application window open?
Look for special announcements for future builds.
That does not answer my question.
Email us at info@ecmhabitat.org or call (763) 689-0288 during the hours of 9:00a - 4:00p Central Time.
I don't speak English.
What does East Central Minnesota Habitat for Humanity do?
East Central Minnesota Habitat for Humanity is a nonprofit, faith housing organization. We work in partnership with local governments, private enterprises, and community stakeholders to leverage resources, secure funding, and implement creative housing solutions that benefit the communities. Home modifications foster economic growth, improve health and social outcomes, and promote long-term community stability. It increases the value of surrounding properties. It's more cost effective for taxpayers than alternatives, such as funding.
Do you give away free homes?
No. The homes are "affordable" not free.
Our qualified homebuyers help build their houses by putting in 200 hours of sweat equity. Then they purchase their houses with an affordable mortgage that ECM Habitat provides. Homebuyers qualify their need for a Habitat house, their ability to pay for it, and their willingness to accomplish their sweat equity hours and other requirements, like completing a financial education program.
Are you a part of a government agency?
No, we are a nonprofit organization. Government entities would be under public housing.
What are the income requirements?
We serve families with household incomes between 50% and 80% of the Area Median Income (AMI). These guidelines are updated annually and are based on figures established by US Dept of Housing and Urban Development (HUD). Because we build in both urban and rural areas, income limits vary by location. Income criteria is based on area market conditions. We reserve the right to revise these criterias at any time.
What is the minimum/maximum credit score needed?
620+ preferred. Options available for those with invisible credit/no credit.
"Invisible credit" refers to individuals with no credit history or records at the three major credit bureaus (Equifax, Experian, TransUnion).
Do you offer financial counseling or education?
Yes. Please contact us at info@ecmhabitat.org.
Can I have pets in the house?
Yes, you can have pets, but you will have to follow local ordinances.
How are your houses built?
Standard stick construction.
Who can I contact for an emergency?
In case of a real emergency, dial 911.
For other critical needs, check out Counties. We are also currently putting together an ECM Habitat Homeowners Manual. We will include a link here after it is finalized.
What if my application does NOT get approved? Can I apply again?
Yes.
Letter of Inquiry


