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"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 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 Brittney Crenshaw Director of Program Services (610) 278-7710 bcrenshaw@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 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 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 Volunteer Outreach Grace Gothard Volunteer Outreach Manager ggothard@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

Join Habitat MontDelco's annual fundraising event to support affordable housing and homeownership programs. Enjoy entertainment, food, and community while helping to make a positive impact in Montgomery and Delaware Counties. Presented by Morgan Properties Join us for an evening where generosity builds homes, and impact means building more than homes. Enjoy food, networking, and an exclusive silent auction! Thursday, September 24th, 2026 | 6:00 - 9:00 PM Millennium III Building 227 Washington St, Conshohocken, PA SPONSORSHIP DECK PURCHASE TICKETS Thank You To Our Sponsors Get Involved / Volunteer / Sponsor First name* Last name* Email* Organization Select Your Choices:* Attend Sponsor Volunteer Submit

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 Government Grants Individual Giving Volunteers Corporate Partners Homebuyer Participation 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. 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

Learn about Habitat MontDelco's events, including Women Build, Veterans Build, community projects, and fundraising galas. Join us to support affordable housing, home repairs, and neighborhood revitalization across Montgomery and Delaware Counties. Explore volunteer opportunities, peer-to-peer fundraising, and more. EVENTS Women Build Learn More Veterans Build Learn More Community Fundraising Learn More Annual Fundraiser Learn More September 2026 Today Mon Tue Wed Thu Fri Sat Sun 31 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 1 2 3 4 5 6 7 8 9 10 11

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 OPEN for two condominium units in Pottstown, PA. They will remain open until qualified applicants are approved. Application Download 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. Housing opportunities will be available in the future. Home Purchase Inquiry Virtual Information Session 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

Volunteer with Habitat MontDelco as an individual or group to make a difference in your community. Join home builds, assist in the ReStore, or participate in team build days, community projects, or faith-based volunteering. No experience needed—just a willingness to help strengthen bonds and support affordable housing in Montgomery and Delaware Counties. VOLUNTEER Individual Volunteers Want to make a difference in your community? Volunteering with us is flexible, and there is truly something for everyone at Habitat MontDelco! Whether your interests are in new home construction, home repair, or ReStore retail operations, we welcome individuals of all skill levels and backgrounds. SIGN UP TO VOLUNTEER FIRST ReStore Our Habitat ReStores are home improvement thrift stores that support our mission by providing valuable funding to our programs. Volunteers may assist with unloading trucks, prepping inventory, pricing, customer support, and other tasks. Summer Leadership Program Our Summer Leadership Program is a great way to serve your local community, earn volunteer hours for school, and show commitment and leadership in college applications! Become a Core Volunteer Our Core Volunteers are the heart and soul of our volunteer program, as they are regularly onsite to assist with builds or in the ReStore. Construction Construction volunteers make a tangible difference on our build and home repair sites. No construction experience is necessary. Community Service Looking to satisfy community service hours? We can help! We often see these volunteers long after the time commitment has been satisfied! Group Volunteers Our home construction, rehabs, and repairs are made possible through the labor of our dedicated volunteers working side by side with our homeowner families. Volunteers make a difference with a day’s work and a connection with a family moving towards stability and homeownership. We have plenty of opportunities that match your skill set. SIGN UP FORM Company Team Building We’ve hosted companies of all sizes who engage their employees and encourage stronger relationships while learning new skills. Faith-Based Group Volunteers Building with Habitat MontDelco gives people of all faiths an opportunity to create a community of compassion through service, putting faith and love into action. Community and College Groups We welcome community and college groups to volunteer on build sites and in our ReStore. We offer opportunities to "alternative spring breaks" to spend your time volunteering. HS STUDENT OPPORTUNITIES If you have any questions or concerns, please contact our volunteer team at volunteer@habitatmontdelco.org Volunteer FAQ How do I sign up to volunteer? To volunteer with us, head to our volunteer portal and create an account. From there, you will be able to select the opportunity you wish to volunteer for such as the West Norriton ReStore or our new ReStore in North Wales! You are welcome to sign up for any volunteer shift you would like to, and you do not have to stay for the entire duration of the shift. We appreciate all the time committed to our mission, whether it be 30 minutes or 30 hours! Do I need construction experience to volunteer for a Build Day? No construction experience is necessary to volunteer with us on the job site! Although, willingness to learn, work hard, and flexibility is appreciated when joining us for a volunteer day. Every helping hand, experienced or not, makes a difference! Are there age restrictions for volunteering? 14–17 year-olds must volunteer with a supervising adult aged 21+. ReStore: Our ReStores welcome volunteers aged 14+ due to Habitat for Humanity safety restrictions. Construction: Due to safety reasons, all construction volunteers must be at least 18 years or older. On special occasions 16-17 year olds are permitted on the construction site when no power tools or ladders are being used. What will I be doing on the construction site? While volunteer tasks may vary depending on the stage of construction, all jobs done by volunteers are equally important to the completion of the home. Jobs may include demolition, dry wall, painting, and more! We just ask that you bring flexibility and a good attitude to the job site as volunteer tasks are ever changing. What is the time commitment for volunteering? ReStore: Our ReStores are open from 9:00am-5:00pm and we welcome volunteers to join us for however long your schedule allows! Volunteers must sign up for a shift prior to arriving, but you do not have to stay the entire duration of the volunteering shift. Any amount of volunteering time you give is never time wasted. Construction: Construction volunteers must be on site by 9:00 am to attend the construction orientation and safety briefing. There is about 30-45 minutes allocated for lunch at 12:00pm and the day usually concludes around 3:00pm. Any volunteer that arrives after the 9:00am safety briefing will not be permitted to volunteer. Are there any restrictions for volunteers with physical or intellectual disabilities? At Habitat for Humanity MontDelco, we welcome any volunteer who wants to make a difference in their community! We offer many kinds of volunteer tasks and can accommodate any need such as no heavy lifting, ladders, etc. If you have specific questions, please reach out to volunteer@habitatmontdelco.org Core Volunteer Spotlight: Patti Post Volunteer Spotlight: Holy Family University Volunteer Spotlight: AmeriCorps

Discover Habitat MontDelco's Neighborhood Revitalization Program, uniting community members, resources, and volunteers to address the affordable housing crisis. Focused on improving the sense of community, social cohesion, and collective action, this program strengthens Montgomery and Delaware Counties through sustainable, inclusive quality-of-life initiatives. NEIGHBORHOOD REVITALIZATION Cultivating Resilient Inclusive Communities Neighborhood Revitalization Program The Neighborhood Revitalization (NR) program aims to work with community members, partner resources, community development organizations, and volunteers to identify solutions to the affordable housing crisis. Working together across multiple sectors to dismantle stigmas, break down barriers, and connect people will put us on a unified path toward Quality-of-Life improvements. Focusing on three foundational desired outcomes of the NR program increases perspective and capacity to overcome barriers to sustainable change. Neighborhood Revitalization works at the grassroots level Habitat MontDelco’s NR program works directly as a part of communities, with program activities taking place across our service area of Montgomery and Delaware Counties. These program activities are meant to be comprehensive and customized to the needs of the community. For example, some communities may have a priority or goal around façade improvement, community clean up or beautification, while other communities may have a need for education and advocacy for affordable housing; still others may have priorities surrounding safety and security. In any case, Habitat has the unique ability to engage community members, stakeholders, and partners across many sectors to develop strategies, mobilize the community around their identified goal(s), and affect change. Neighborhood Revitalization can Include special projects that improve… Safety and security for the community Blight and cleanliness in the community Community outreach and engagement Civic engagement, advocacy and voting We may do this by: Engaging with elected officials and municipal entities. Obtaining donated products to meet a community need. Providing volunteer opportunities in community spaces. Conducting research and needs assessments. Helping community and resident groups to organize. How does Habitat MontDelco select partner communities? Habitat MontDelco, through its NR program focuses on historically disinvested neighborhoods and communities including Norristown, and Pottstown - who’ve we have worked for many years. Habitat MontDelco tries to focus efforts in the communities where we are building new homes, rehabilitating vacant distressed homes, and where there is a concentrated need for owner-occupied home repairs. In order for Habitat MontDelco to effectively partner with a community, we look for: An existing community, civic, or neighborhood group able to assist with outreach and implementation of projects and goals. Community member(s) or stakeholder(s) prepared to take on leadership roles in the planning and facilitation of projects and goals. Interest and willingness from the community members Learn more about our community action initiatives If you have any questions regarding the Neighborhood Revitalization Program or would like Habitat MontDelco to consider partnering with your community, please contact Programs@HabitatMontDelco.org . EMAIL

Honor our veterans by joining Habitat MontDelco’s Veterans Build. Support affordable housing and critical home repairs for military-connected families in Montgomery and Delaware Counties. Volunteer, donate, or raise awareness this Veterans Day. VETERANS BUILD 2026 They protected our home. Now it’s our turn to protect theirs. In honor of Veterans Day on November 11th, and throughout select days in November, raise your hammer—and your impact—to support Habitat MontDelco’s affordable housing and home repair programs. We are proud to serve local veterans, knowing that nearly 122,000 veterans in Pennsylvania live in homes with significant quality, crowding, or cost challenges. We’re calling all veterans, veteran-owned businesses, veteran ERGs, and individuals committed to service and community to participate in Veterans Build 2026 ! This is a unique opportunity to work together to rehab a home for local individuals and families. Our Veterans Build program serves military-connected individuals and families through affordable housing, critical home repairs, volunteer opportunities, and financial education. For $5,000, your team of up to 10 will work with our construction team on a build site. The Build Day will start at 9 AM with a group photo and a safety briefing. We will provide plenty of water and lunch at noon. The day will conclude at 3 PM, with an opportunity to write a heartfelt message for the future homeowner. If you are interested, please complete the form below, and we will be in touch with you soon. Together, we can ensure that every veteran has a safe and accessible place to call home. Veterans Build 2026 Interest Form Full Name* Email Address* Phone Organization/Company Number of Team Members* How did you hear about this event? Comments or Questions SUBMIT FORM Notable Habitat for Humanity International Successes & Celebrations 9,097+ The number of veterans and their families who have partnered with us to improve their housing since 2013. 350+ The number of Habitat affiliates participating in Veterans Build, partnering with veteran support organizations to meet veterans’ needs. 100+ This is how many veteran-serving organizations we are currently partnering with or reaching out to. These organizations allow us better to meet the needs of veterans through our holistic approaches. 70+ The number of Habitat affiliates across 30+ states that have participated in Repair Corps projects, improving over 1,997 veteran-occupied properties. SUPPORT OUR VETERANS BUILD PROGRAM

Learn about Habitat for Humanity of Montgomery and Delaware Counties' Home Repair Program, providing health, safety, and accessibility repairs for income-qualified homeowners. Stabilize communities, preserve affordable housing, and prevent displacement in Montgomery and Delaware Counties. Discover eligibility, funding, and how to apply for critical home repair services. HOME REPAIR PROGRAM Habitat MontDelco does not provide emergency or crisis-based repairs. If you are experiencing issues within your home dial 211 or visit pa211.org for assistance, Habitat MontDelco may refer you to another program, but we can't guarantee service or timing. Restoring More than Homes This program is a construction-based resource that provides income-qualified homeowners with necessary health, safety, and accessibility-related home repairs and modifications within Montgomery and Delaware counties. Through this program, Habitat MontDelco aims to stabilize communities, address the counties’ aging housing stock, preserve naturally occurring affordable homeownership, and prevent qualifying homeowners from being displaced. Step by step guide Please note: this program typically has a waiting period. No homeowner will be forwarded an application on the spot. Please also be aware that if your home is currently NOT insured you are not eligible for this program. There are no exceptions to this policy. Only households in our inquiry database will receive applications. The funding for our owner-occupied programs comes from different sources, each with specific rules about how, where, and for whom (such as older adults, veterans, etc.) the funds can be used. Step 1 2 3 4 5 6 7 Step 1. Submit an inquiry. This will add you to our inquiry database, and when we have funding that matches your home's needs, Habitat MontDelco will send you an application. Step 2. Habitat will notify you by mail, with an application, when applicable funding is available based on your described home repair needs and demographic information as it relates to grant restrictions. (At times we will receive grants specifically for certain purposes, and/or certain groups, such as seniors and veterans, etc.) Step 3. HOMEOWNERS will complete the application within the deadline indicated, and submit to Habitatwith the required documentation, OR contact Habitat for an extension on the application before that deadline. Step 4. Habitat will review applications, conduct a home visit, and verify eligibility based on program capabilities and needs of the home. A final determination for program approval will be made. **In some cases, dependent on the funding source, program approval will be contingent on some additional factors as well.** Step 5. HOMEOWNERS will be notified of a decision on program approval, or denial. If approved, you will receive a list of services Habitat intends to gather estimates for, from program contractors. Contractors will schedule directly with the homeowners for this step. Step 6. Habitat will collect estimates from contractors and determine which services, if any, fall within funding/program capabilities, budget, timeline, etc., and will produce an agreement for services to be provided outlining the scope of work and program conduct expectations. Step 7. HOMEOWNERS will sign an agreement for conduct and liability, which includes the proposed scope of work for the home, and work will commence in the order in which agreements are received. Habitat will, upon the completion of work, collect completion photos and verifications from both the contractor(s) and homeowner, and close the project out with paperwork documenting what work was completed in the home, as well as warranty information. SUBMIT AN INQUIRY If you’ve already submitted a program inquiry using the form, you are registered in our system. To check the status of your inquiry or update the information you provided, feel free to contact us at repair@habitatmontdelco.org , or call (610) 278-7710. Repairs & Repayment Eligible Repairs Not Eligible Repairs Roof repair/Replacement Water Heater Replacement Porch Repair or Replacement Plumbing Repairs Minor Electrical repairs Bathroom Repairs Zero-step entry solutions Grab bars and handrails Door widening Stair Lifts Major foundation repairs Large-scale mold treatment window replacement (exceptions made for physically broken windows) Additions or extensions Cosmetic improvements/upgrades Homeowner Repayment Household Income Level Repayment Requirement 30-50% AMI Will pay 6% of project cost. min. $125 - max $900 50-80% AMI Will pay 10% of project cost. min. $125 - max $1500 0-30% AMI Will pay 3% of project cost. min. $125 - max $450 Homeowners in the repair program may be responsible for repaying a small portion of the project cost to Habitat, with flexible monthly payments. Some funding sources offer forgivable property liens instead of upfront costs. How do I Know If I Might Qualify? To be considered eligible, applicant(s): Must be unable to perform repairs themselves and/or be unable to pay someone to do the repairs. Must be willing to partner with HFHMontDelco by upholding the terms of the program agreement with HFHMontDelco, and being responsive, helpful, and hospitable. Must be a Montgomery Co. or Delaware Co. homeowner and currently reside in the home. The homeowner must have lived in the home for a minimum of one year before applying. Homeowner must plan on living in the home for a minimum of two years after work is completed- **This may vary depending on funding sources utilized for repairs. Have a current homeowner’s insurance policy in place for the home. May need to verify that they are current on Property Taxes and/or Mortgage payments. **This is dependent on funding sources anticipated for repairs** Have a total gross household income below the levels listed in this chart: Household Size Maximum Annual Income Allowed (Gross) 1 person $68,750 2 people $78,550 3 people $88,350 4 people $98,150 5 people $106,050 6 people $113,900 7 people $121,750 8+ people $126,100 There is no minimum income needed to qualify. We do not consider assets. Updated per HUD Guidelines as of 05/01/2026 Home Visit Requirements An additional component of determining a home’s eligibility is a home visit to assess the home’s suitability for Habitat MontDelco’s program capabilities. During this visit, we will need to access key areas in your home to perform these services. If we cannot safely access these areas due to significant clutter in your home or other reasons, you may be limited to receiving exterior services or denied by policy. This determination is made on a case-by-case basis. ***Please note that some homes, dependent on the funding source anticipated, will be subject to additional levels of review and qualification such as lead testing, and environmental review*** Common Real Estate Terms Throughout your application journey, you may come across terms that are unfamiliar. Our glossary is here to help you understand them with ease. Term Name Definition Amortization The process of gradually paying off a loan through regular payments over a specified period. Appraisal A process conducted by a qualified appraiser to estimate fair market value, often for real estate transactions, insurance, or tax purposes. Credit Score A number representing a person's creditworthiness based on credit history. Deed A deed is a signed, written legal document that transfers ownership of real estate or property assets from a grantor (seller/giver) to a grantee (buyer/receiver). Down payment An initial investment in your new home that establishes your ownership of the property. Equity How much of your home you own and how much you owe on your mortgage loan. Escrow A legal arrangement where a third party holds funds or documents until certain conditions are met in a transaction. Fixed-rate mortgage A home loan with an interest rate that is set when you take out the loan. Homeowners insurance An insurance policy combines personal liability insurance and hazard insurance coverage for a residence and its contents. Inspection Uncover issues with the structure of the house before purchase. Interest rate How much you’ll pay to borrow money for a home purchase throughout the duration of the loan.  Mortgage insurance Paid by the borrower and protects the lender in case you aren’t able to keep up with the payments Principal The original sum of money borrowed in a loan or the amount still owed, excluding interest. Property taxes A tax paid on a residential property owned by individuals. The rate is determined by a local government. Purchase agreement A legal document detailing the terms of a potential real estate transaction. Title Insurance Insurance that protects against financial loss from defects in a property's title. Habitat MontDelco’s Home Repair program is a construction-based resource aimed at identifying and addressing health, safety, and accessibility-related needs in eligible homes. The goal of this program is to provide owner-occupied homes with a safe, healthy, and accessible environment. Funding for our repair program comes from several different sources, and many of those funding sources operate on their own timelines and terms. This means that not every home, or homeowner, will qualify outright simply because there is funding available. For example, some of our funds may be geographically specific, some may be specific to Veteran households, Senior households, etc. Some may be restricted by project type (ie. only for roofing, or only for accessibility, etc.)

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 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

HOME PURCHASE INQUIRY FORM THIS IS NOT AN APPLICATION FOR HOUSING The information provided below will be entered into our inquiry database so that you may be notified when a housing opportunity is available. Date* First name* Last name* Email* Phone* Do you currently live and/or work in Montgomery or Delaware County?* Yes No If so, please state which county: Do you have a preference of county?* Delaware Montgomery Either County* Street Address* City * State* Zip Code* I understand that this online program inquiry form is not the same as a program application and that Habitat for Humanity of Montgomery and Delaware Counties may e-mail you a program application directly as soon as the application process opens. * I understand that this inquiry form is not an application for housing, but only an inquiry about homeownership possibilities with Habitat for Humanity with Montgomery and Delaware Counties. * Submit THIS IS NOT AN APPLICATION FOR HOUSING The information provided below will be entered into our inquiry database so that you may Be notified when a housing opportunity is available. Date * required First Name of prospective applicant(s) Last Name of prospective applicant(s) Do you currently live and/or work in Montgomery or Delaware County? * Yes No If so, please state which county: Do you have a preference of county? * Delaware Montgomery Either Current mailing address Street Address City Region/State/Province Postal / Zip code Best phone number to reach you Email I understand that this online program inquiry form is not the same as a program application and that Habitat for Humanity of Montgomery and Delaware Counties will mail me a program application directly as soon as the application process opens. I understand that this inquiry form is not an application for housing, but only an inquiry about homeownership possibilities with Habitat for Humanity with Montgomery and Delaware Counties. SUBMIT Thanks for submitting!