Aberdeen Proving Ground Federal Credit Union began the effort to start a Habitat for Humanity project in Harford County in June 1993. Harford Habitat for Humanity, an affiliate of Habitat for Humanity International, and was incorporated in November 1993.
APGFCU acted as the catalyst and brought community leaders together to make a Habitat affiliate a reality in Harford County. Land for construction of our first two homes was donated by the City of Aberdeen, and two families were selected. Land for the third and fourth homes was acquired through a generous grant received from the Knott Foundation in December of 1995. In June of 2011, HHH merged with Habitat for Humanity of Cecil County to form a single affiliate — Habitat for Humanity Susquehanna. In its 22-year history, HHS has built 82 homes and made over 306 home repairs, serving over 350 families.
How do Habitat’s Housing and Repair Programs Work?
Habitat builds simple decent houses with the help of homeowners (partner families). Habitat houses are sold to partner families at no profit, financed with no-interest loans. The homeowner’s monthly mortgage payments are used to build more Habitat homes.
Families are selected based on their level of need, willingness to partner with Habitat, and the ability to repay no-profit, zero interest loans. Habitat is not a giveaway program. In addition to a down payment and the monthly mortgage payment, partner families invest up to 500 hours of their own labor--sweat equity--into building their Habitat house and the houses of others.
Habitat’s Repair Program provides emergency repairs (HVAC, roofs, hot water heaters), accessible ramps for those with disabilities, and general maintenance repairs. Families are selected based on need, willingness to partner and income.