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At Habitat for Humanity we believe everyone should have a safe, affordable place to call home. 

Habitat homeowners are active participants in building a better future for themselves and their families. Every Habitat home is an investment, and for us, an answer to a critical need - we believe that stronger homes will create stronger communities. Blue Water Habitat for Humanity offers two programs for low income residents in St. Clair and Sanilac Counties.  

HomeownershipProspective homeowners must demonstrate a need for safe, affordable housing. Need will vary from community to community and family to family, out Family Services Team is available to answer any questions you may have regarding the application process. You can also learn more by visiting our Program Guidelines page. Once a family is selected to partner with Habitat they must partner with us throughout the process. This partnership includes "sweat-equity." Sweat-equity is the time our future homeowners volunteer helping to build their home and the homes of others in our homeownership program. This partnership also includes a variety of classes to prepare for homeownership and potentially volunteering in our ReStore. Homeowners must also be able and willing to pay an affordable mortgage. Habitat for Humanity is a hand-up, not a hand-out. The affordable mortgage payments made by our homeowners are cycled back into the community to build additional Habitat houses. 

We have a two-part application process for our Homeownership Program. The first step is to start financial counseling. This is currently done through Habitat for Humanity of Michigan, HFHM. They have HUD certified financial counselors on their staff. They will have you fill out an intake packet that goes over your current income and expenses and pull a credit report. They are looking to see if you are currently mortgage ready or not. If you are not, they will help you through the steps to become mortgage ready. They are also able to let both us and you know what an affordable mortgage payment would be for you. You can start the process by filling out the intake packet here,

Additional details about our program guidelines for homeownership can be found on by visiting our Program Guidelines page or by contacting a member of our Family Services team at 810-985-9080 ext. 200, or e-mail-

Home Repair - Habitat for Humanity's Home Repair programs are designed to assist existing homeowners who are having difficulty maintaining their current residence. Homeowners who meet our income guidelines, are welcome to discuss their repair needs with a member of our Family Services Team to determine if we have a program suitable to assist. Our Family Services team can be reached at 810-985-9080 ext. 200, or e-mail-

Home Repairs are classified in two categories: 

  • A Brush With Kindness - this program offers assistance with minor exterior home repairs; such as porch railings, exterior painting, ramp construction and more. Repairs are exterior and generally under $3,000. 
  • Critical Home Repair - this program offers assistance with more extensive repairs. Those needing extensive repairs should contact our Family Services team to determine eligibility. 
  • Additional programs - As funding is available, we also offer assistance to veterans through the Veterans Repair Corps, a grant program through the Home Depot Foundation and for roof repairs. 

For additional information on any of our programs, we encourage interested applicants to reach out to our Family Services team to learn more about our programs, qualifications and funding. Please do not disqualify yourself - you might be a phone call away from the stability that a home can provide!