RESTORE TRAINING Welcome to your Restore training portal HFHI LOGIN EMAIL RICK Forward any certificates to Rick White's affiliate email address (rwhite@habitatmontdelco.org ) General ReStore Onboarding Welcome & Mission History of ReStore, HFH mission, global impact through tithing Please complete this training: ➡️ Habitat History, Vision and Mission Code of Conduct & Ethics Safeguarding, discrimination policy, reporting channels (Ethics Line, HFHI) Please complete this training: ➡️Safeguarding training for affiliates in U.S. and Canada Safety & Security PPE, emergency action plan, fire protection, lifting and loading, slips/trips/falls, incident reporting Please watch the videos below: Forward any certificates to Rick White's affiliate email address (rwhite@habitatmontdelco.org )

Discover affordable housing opportunities in Montgomery and Delaware Counties with Habitat for Humanity MontDelco. Support community-led construction projects, volunteer, or donate to help build affordable homes and revitalize neighborhoods. Explore low-income housing options, homeownership programs, and impactful stories of hope. Join us in creating stability through shelter and strengthening local communities. Every Hand Makes a Difference DONATE RESTORE VOLUNTEER PROGRAMS Impact of HFHMDC Habitat for Humanity of Montgomery and Delaware Counties (“HFHMDC”) has dedicated over 35 years to offering affordable homes with affordable mortgages to income-qualified households, revitalizing neighborhoods, stimulating economic growth, and strengthening communities in their pursuit of safe living environments for all. 420+ Households Served 35+ Years of Service 113 Affordable Mortgages 100% Donor Transparency Home Purchase Applications Are Now Open! Learn how the Habitat Home Purchase process works from our virtual info sessions then fill out the application and mail it to us. More information is available via the link. DETAILS HERE Government Grants Corporate Partners Individual Giving Homebuyer Participation Volunteers Advocacy Support from all of these channels collectively help to achieve our goal to build and rehab homes that are affordable with affordable mortgages. Each play a vital role in helping to transform people's lives. Habitat MontDelco on 6abc News Hope Begins with Home Kesha R.'s Story Programs LEARN MORE Gallery of Previous Builds Check Them Out Home Repair Program Learn More Home Purchase Program Learn More Neighborhood Revitalization Learn More Partner with Habitat MontDelco Our mission relies on corporate and individual support to improve the lives of families and communities in Montgomery and Delaware Counties. PARTNER WITH US

Habitat for Humanity of Montgomery and Delaware Counties' Home Purchase Program offering affordable mortgages and housing opportunities. Learn how qualified families earning 30%-80% AMI can access low-interest homeownership options, stabilize housing costs, and build brighter futures. Discover eligibility, application processes, and steps to become a Habitat homeowner in Montgomery and Delaware Counties. HOME PURCHASE PROGRAM Building Bright Futures Home Purchase Program Since 1989 Habitat for Humanity of Montgomery and Delaware Counties has developed and sold newly constructed and rehabilitated homes to applicants who live or work in Montgomery or Delaware Counties and earn between 30% and 80% of the area median income as determined by the US Department of Housing and Urban Development. Through Habitat MontDelco Home Purchase Program, qualified homebuyers purchase homes under our affordable lending model, resulting in increased access to homeownership opportunities for historically disinvested communities. Every Habitat home is mortgaged at 0% interest for the full appraised value , while ensuring no Habitat homebuyer pays more than 30% of their gross income on housing (including property tax and homeowners insurance). Applications are currently OPEN for Habitat MontDelco Home Purchase opportunities from 04/01/2026 - 04/30/2026 Sign up via our Home Purchase Inquiry form to be notified when a new housing opportunity is available. If you would like to learn more about our home purchase program, please review the virtual information session. Once you review the information fill out the application, print, and mail it to us. Home Purchase Application Download Virtual Information Session Home Purchase Inquiry So how does the Home Purchase Program Work? What is a Habitat Mortgage? Habitat MontDelco believes that homeownership should be affordable and attainable. We ensure affordability by providing 0% interest mortgages with an overall housing cost capped at 30% of the borrower’s gross annual income at the time of qualifying. This means that mortgage principal, property taxes, and insurance are all folded into an affordable monthly payment for the buyer, capped at 30% of their gross annual income at time of qualifying. Habitat is sensitive to how affordable home purchases can impact local property values. To stabilize local property values, Habitat MontDelco mortgages are typically structured in two parts: The first is 30-year 0% interest conventional mortgage loan, which is paid each month. The second part is an additional mortgage on the back end which secures the difference in value between the first conventional mortgage and the appraised value of the home, ensuring two things: The sale of each Habitat home is recorded as a full appraised value sale, thus stabilizing home values in the communities where we build and rehabilitate. The homebuyer is never housing-cost burdened by a Habitat home mortgage. How Can I Qualify for Home Purchase? General parameters for Home Purchase Program eligibility typically include, but are not limited to: You must have lived or worked in either Montgomery or Delaware County for at least one year prior to applying. You must be willing to contribute Partnership Hours , based on family size, to be spent on the construction site and in educational workshops, among other activities. You must be able to provide Proof of Citizenship or Permanent US Residency (see additional details page for more info) You don’t have to be a first-time homebuyer , but if you already own a home at the time of application, you may not qualify. You must have an annual household income between 30% to 80% of the AMI (Area Median Income) as determined by HUD. You must be willing to partner and agree to Habitat MontDelco's Program terms including but not limited to Partnership Hours Policy, Media and Marketing Policy, Equity Share Agreement, Partnership Agreement Terms, etc. Reference the chart below for Habitat’s income guidelines: You must have demonstrable housing need, which can be defined as any of the following: Cost burden : Applicant(s) are paying more than 30% of their monthly gross income towards housing including rent payments and utilities. Homelessness or living with family or friends. Substandard housing conditions which impact the health and/or safety of the household members. Insufficient space or room configuration to accommodate the number of occupants in the residence at the time of application or who will be living in the residence in the “near” future. You must have an annual household income between 30% to 80% of the AMI (Area Median Income) as determined by HUD. Unsafe neighborhoods due to high violent crime rate, high non-violent crime rate (including illegal drug activity), or other commonly accepted measures of unsafe neighborhoods. Unsafe neighborhoods due to man-made or geo-climatic conditions such as flooding or earth movement. Click here to view Habitat’s eligibility details: VIEW ELIGIBILITY DETAILS Please note that eligibility parameters are subject to change, depending on the housing opportunity, funding requirements etc. What Should I Expect if I am Approved? 1 2 3 4 A 6 -12 month timeline to build, depending on the number of units. Attendance of educational workshops on homeownership and home maintenance. An affordable housing payment that is limited to 30% of your gross income (including property taxes and insurance). The Partnership Requirement: This means volunteering on the construction site, in our ReStores or office, and through other organizations. Participation in Habitat media and marketing efforts. Information sessions will be publicized via social media, on the habitatmontdelco.org event calendar, and through email notifications. Virtual Information Session Equal Housing Statement Habitat for Humanity of Montgomery and Delaware Counties is pledged to the letter and spirit of U.S. policy for the achievement of equal housing opportunities throughout the nation. We encourage and support an affirmative advertising and marketing program in which there are no barriers to obtaining housing because of race, sex, marital status, physical or mental disability, color, religion, national origin, ancestry, presence of children, source of income, sexual orientation, gender identity, age, and family responsibilities. Ready to be a Habitat Homebuyer? If you have any questions that are not answered here, please contact our Homebuyer Services Manager at Programs@HabitatMontDelco.org or call 610-278-7710. HOME PURCHASE INQUIRY Anchor 1

Leave a legacy of impact with planned giving to Habitat MontDelco. Support affordable housing with gifts that cost nothing now, provide income for life, or create lasting change for families in Montgomery and Delaware Counties. PLANNED GIVING Create a Legacy That’s Right for You Whether you would like to put your donation to work today or benefit future Habitat homeowners after your lifetime, you can find a plan that fits your needs. There are many options to leave a lasting impact through Habitat, including gifts that cost you nothing now, gifts that make an impact now, gifts that also include a personal financial benefit and more. Gifts That Pay You Income Receive income for life while ensuring that individuals and families have access to attainable and affordable housing. If you are considering this type of gift, please consult with your financial advisor and a gift planner at Habitat for Humanity. Gifts that Cost You Nothing Now Making a legacy gift in your will or trust is one of the easiest and most popular ways to partner in the mission. Your gift empowers people to become self-reliant, successful homeowners in their communities. When you make a gift to Habitat for Humanity from your retirement plan, insurance plan, or other assets, you make it possible for people to obtain safe, affordable places to call home. Best of all, these gifts are easy to make! Simply contact the firm that holds your assets and complete a beneficiary form. ← Back to Ways of Giving

"Learn about Habitat for Humanity of Montgomery and Delaware Counties' mission to build affordable housing and stronger communities. Explore programs supporting homeownership with affordable mortgages, meet our dedicated leadership and staff, and join our vision for decent housing for all. Discover how we’re creating stability through shelter in Montgomery and Delaware Counties. Our Impact Staff Board Advocacy Financials Careers Financials To earn and maintain the respect and trust of the public, Habitat for Humanity of Montgomery and Delaware Counties affirms that all donors have the right to access our financial reports. FISCAL YEAR 2026 FISCAL YEAR 2025 2024 990 (for FY ending 6/30/2025) 2025 audited financial statement FISCAL YEAR 2022 2021 990 (for FY ending 6/30/2022) 2021 audited financial statement FISCAL YEAR 2021 2020 990 (for FY ending 6/30/2021) 2021 audited financial statement FISCAL YEAR 2024 2023 990 (for FY ending 6/30/2024) 2024 audited financial statement FISCAL YEAR 2023 2022 990 (for FY ending 6/30/2023) 2023 audited financial statement FISCAL YEAR 2020 2019 990 (for FY ending 6/30/2020) 2020 audited financial statement FISCAL YEAR 2019 2018 990 (for FY ending 6/30/2019) 2019 audited financial statement FISCAL YEAR 2018 2017 990 (for FY ending 6/30/2018) 2018 audited financial statement FISCAL YEAR 2017 2016 990 (for FY ending 6/30/2017) 2017 audited financial statement FISCAL YEAR 2016 2015 990 (for FY ending 6/30/2016) 2016 audited financial statement Donor Bill of Rights Download Document

Donate your vehicle to Habitat MontDelco's Cars for Homes™ program to support affordable housing and home repairs. Easy process, tax-deductible, and impactful for Montgomery and Delaware Counties. Start your donation today. DONATE A VEHICLE Your Old Vehicle, Their New Home Donate a vehicle to Cars for Homes, Habitat Mont Delco’s car donation program, to help support local families. Your car donation is one more way that you can support our work in Montgomery County and Delaware County. When you donate to Habitat Mont Delco we make it quick and easy. Your donation may also be a tax deduction. We accept cars, trucks, RV’s, vans, SUV’s, boats and motorcycles whether they are running or not. Towing is free! START DONATION Awarded Best Vehicle Donation Program 3 Years in a Row Forbes Advisor has named Habitat for Humanity’s Cars for Homes program one of the best vehicle donation programs in the nation ! This award recognizes the efficiency and impact our vehicle donation program has on our local community. How does my car donation support veterans in Montgomery County and Delaware County? Veterans in our community deserve a safe, secure place to call home and a community that honors and supports them. Donating your car to Habitat for Humanity funds programs that will support local veterans through our Veterans Build program ! Your car donation will fund housing repair, affordable homeownership, financial education, employment and jobs training veterans programs right here in Montgomery and Delaware County. Why should I donate my car to Habitat MontDelco? Between 84% and 87% of the gross revenue generated from the sale of donated vehicles goes directly to Habitat for Humanity. 80% of the funding received by HFHI helps local affiliates build and repair housing in their communities. Forbes Advisor has recognized Habitat for Humanity as one of the best vehicle donation programs in the United States two years in a row for this efficiency! Your vehicle donation may qualify for a tax deduction . It’s fast and easy. Learn more about how vehicle donations work . How do I donate my car in Montgomery and Delaware Counties? You can donate your car in 4 easy steps: Start your donation online by navigating to our donation wizard , or call our hotline: 1-877-277-4344 Our team will ask about your vehicle, including the make, model, vehicle identification number (VIN) and current mileage. When your vehicle is accepted, schedule a day and time for us to pick it up. Receive your tax receipt. START DONATION Common Questions Have more questions? We answer them here. All submissions are subject to evaluation. Due to donation location and condition, some vehicles may not be accepted. Can I donate a vehicle that does not run? Absolutely! What documents are needed to donate a car in Pennsylvania? To donate your car in Pennsylvania, you need a Certificate of Title. Enter "ADVANCED REMARKETING SERVICES" in the buyer field, then print and sign your name in the seller field exactly as shown. This transfers ownership to Habitat for Humanity What tax deduction do I get for donating my car? Your tax deduction depends on the sale price. If it sells for over $500, you may deduct the full amount. If it sells for $500 or less, you can deduct its fair market value, up to $500. Consult your tax advisor for details. What happens after my vehicle donation is accepted? About half of donated vehicles are sold at auctions to licensed dealers and used again. The other half goes to salvage yards, where useful parts are removed and the rest is recycled into steel. Vehicles are never sold to the public—only to bonded, insured dealers to protect donors and Habitat affiliates. The money from each sale helps support Habitat’s local housing programs. After your vehicle is sold, you’ll get a letter with the sale details for your records. ← Back to Ways of Giving

"Learn about Habitat for Humanity of Montgomery and Delaware Counties' mission to build affordable housing and stronger communities. Explore programs supporting homeownership with affordable mortgages, meet our dedicated leadership and staff, and join our vision for decent housing for all. Discover how we’re creating stability through shelter in Montgomery and Delaware Counties. Our Impact Staff Board Advocacy Financials Careers Advocacy As an affordable housing provider, we recognize that building is only part of the solution, and that sustainable and inclusive policies and systems can promote access to decent housing, while others can create barriers. And those barriers make it harder to find land for construction, build a home, and/or afford to live in many places. At Habitat MontDelco, we advocate to change policies and systems which pose barriers to attaining and preserving affordable homeownership. Our vision is a world where everyone has a decent place to live. To that end, it is incredibly important that we advocate for sustainable, equitable and inclusive policies and solutions in response to these barriers to decent housing. Habitat MontDelco’s approach to advocacy is advanced by Habitat for Humanity International’s decades of on-the-ground experience and policy expertise. Using our deep understanding of local housing policy and its central role in providing opportunities for families, we work to leverage Habitat for Humanity’s brand power, impact data, and outcomes, to reform laws in non-confrontational, nonpartisan ways. Current Action Housing Studies and Resources County Level Montgomery Montgomery County 2040 Comprehensive Plan MontCo Homes for All Delaware Delaware County 2035 Housing Plan Delaware County Fair Housing State Level PA Housing Finance Agency (PHFA) Comprehensive Housing Study National Level The State of the Nation’s Housing Habitat for Humanity International - US Advocacy PA Advocacy Overview_1.2025.pdf

Sign up for Habitat for Humanity MontDelco's newsletter today! SIGN UP FOR OUR NEWSLETTER Join Habitat for Humanity’s mission to create safe, affordable housing. Get inspiring stories, volunteer updates, and ways to make a difference, right in your inbox.📬

"Learn about Habitat for Humanity of Montgomery and Delaware Counties' mission to build affordable housing and stronger communities. Explore programs supporting homeownership with affordable mortgages, meet our dedicated leadership and staff, and join our vision for decent housing for all. Discover how we’re creating stability through shelter in Montgomery and Delaware Counties. Our Impact Staff Board Advocacy Financials Careers Board of Directors Joe Kernen Chairperson Retired Partner DLA Piper LLP Mary Metz Vice Chairperson Retired Branch Manager First Priority Bank David Levin Treasurer Business Advisor Scott Isard Secretary Retired IT Consultant Christopher Glover President, EmployeeMax Dana Ziegler, P.E. Providence Engineering Corporation Dan Beam Residential Lending Executive David Buckman Retired Chief Legal Officer and Executive David Cramer Gordon Brothers Consultant Diane McCabe Retired HR Director, CSL Behring Gianna Karapelou Coaching & Leadership Development Executive Karapelou Strategies LLC Jeffrey Brusko Team Lead Manager, Peoples Security Bank & Trust Company Keith Sterling CEO (Ex-Officio) Kesha Robinson Worker’s Compensation Claims Examiner, Sedgewick Claim Management Services Kevin Grant Senior Vice President, Bank of America Matthew Petrick CFO, PEAC Solutions Michael Tomeo Regional Property Manager, Regency Centers Scott Klesmer Retired Pharmaceutical Industry Executive Steven Perry Sr. Portfolio Manager, Bank of America Steven Kopenhaver SVP & CLO, Harleysville Bank Stephen Waters Chief Capital Officer, Morgan Properties Thomas Dugan Board of Trustees, Neumann University Tim Woodrow, P.E. President, Woodrow & Associates

"Learn about Habitat for Humanity of Montgomery and Delaware Counties' mission to build affordable housing and stronger communities. Explore programs supporting homeownership with affordable mortgages, meet our dedicated leadership and staff, and join our vision for decent housing for all. Discover how we’re creating stability through shelter in Montgomery and Delaware Counties. Our Impact Staff Board Advocacy Financials Careers OUR MISSION Habitat for Humanity Montgomery and Delaware Counties is an affiliate of Habitat for Humanity International (HFHI), the largest nonprofit homebuilder worldwide. Since 1989, our mission is to transform lives and in our region by building and repairing homes in partnership with families in need, and uniting all residents of Montgomery and Delaware counties around the cause of affordable homeownership. Our vision is a community where all people in Montgomery and Delaware counties live in safe and stable home. Our Vision We Envision a World Where Everyone Has a Decent Place to Live Habitat for Humanity of Montgomery and Delaware Counties is a registered 501(c)(3) organization dedicated to building Communities and empowering families in Montgomery and Delaware counties. EIN # 23-2544395. Equal Housing Opportunity.

"Learn about Habitat for Humanity of Montgomery and Delaware Counties' mission to build affordable housing and stronger communities. Explore programs supporting homeownership with affordable mortgages, meet our dedicated leadership and staff, and join our vision for decent housing for all. Discover how we’re creating stability through shelter in Montgomery and Delaware Counties. Our Impact Staff Board Advocacy Financials Careers Affiliate Staff Keith Sterling Chief Executive Officer (610) 278-7710 ksterling@habitatmontdelco.org Katie Vorce Chief Operations Officer (610) 278-7710 kvorce@habitatmontdelco.org Tim Belmont Chief Financial Officer (610) 278-7710 tbelmont@habitatmontdelco.org BJ Breish Vice President, Government Relations & Retail Operations (267) 571-1920 bjbreish@habitatmontdelco.org Tiffany Loomis Vice President, Real Estate Acquisition & Development (610) 278-7710 tloomis@habitatmontdelco.org Brittney Crenshaw Director of Program Services (610) 278-7710 bcrenshaw@habitatmontdelco.org Alyssa Spiotta Director of Development (484) 263-2478 aspiotta@habitatmontdelco.org Anabella Tracy Director of Volunteers & Outreach (610) 879-4740 atracy@habitatmontdelco.org Vinh Lam Chau Director of Construction (610) 278-7710 lchau@habitatmontdelco.org Rick White Director of HR & Administration (610) 350-4869 rwhite@habitatmontdelco.org Heather Waber Director of Retail Strategy & Development (610) 427-8539 hwaber@habitatmontdelco.org Bob Maggetti Director of Retail Operations (610) 427-8539 rmaggetti@habitatmontdelco.org Administration Blendine Ozorowski Accounting Manager bozorowski@habitatmontdelco.org Programs John Guydish Homebuyer Services Manager jguydish@habitatmontdelco.org Mallory Swyers Government Grants Manager mswyers@habitatmontdelco.org Adam Richardson Building and Repair Project Manager arichardson@habitatmontdelco.org PJ Connolly Repair Project Coordinator pconnolly@habitatmontdelco.org Crystal Gardener Repair Project Coordinator cgardener@habitatmontdelco.org Kevin Gallo Repair Program Manager kgallo@habitatmontdelco.org Zoe Kaplan Repair Program Coordinator zkaplan@habitatmontdelco.org Development and Marketing Kathleen Chhiev Senior Development Operations Manager kchhiev@habitatmontdelco.org Amber Uffelman Marketing Associate auffelman@habitatmontdelco.org Clark Levi Development Associate clevi@habitatmontdelco.org Hayley Ridley Development Associate hridley@habitatmontdelco.org Volunteer Outreach Grace Gothard Volunteer Outreach Manager ggothard@habitatmontdelco.org Grace Crosby Volunteer Outreach Coordinator gcrosby@habitatmontdelco.org Construction Paul Rihn Site Supervisor prihn@habitatmontdelco.org Habitat ReStore Operations Jon Cassell ReStore Manager, West Norriton logistics@habitatmontdelco.org Dan Kocsis ReStore Manager, North Wales dkocsis@habitatmontdelco.org Cleveland Tomlinson Assistant ReStore Manager, North Wales ctomlinson@habitatmontdelco.org Crystal Stout Procurement Manager cstout@habitatmontdelco.org

"Learn about Habitat for Humanity of Montgomery and Delaware Counties' mission to build affordable housing and stronger communities. Explore programs supporting homeownership with affordable mortgages, meet our dedicated leadership and staff, and join our vision for decent housing for all. Discover how we’re creating stability through shelter in Montgomery and Delaware Counties. Our Impact Staff Board Advocacy Financials Careers Impact of HFHMDC Habitat for Humanity of Montgomery and Delaware Counties (“HFHMDC”) has dedicated over 35+ years to offering affordable homes with affordable mortgages to income-qualified households, revitalizing neighborhoods, stimulating economic growth, and strengthening communities in their pursuit of safe living environments for all. 420+ Households Served 35+ Years of Service 113 Affordable Mortgages 100% Donor Transparency 2025 Impact Report Hard Work and Unshakeable Hope Habitat for Humanity Dedicates Its First Pottstown Rehab “Here I Am”: How Sherry Turned a Habitat House Into a Home for an Entire Community Kesha Robinson's Story