Are you dreaming of owning a safe, affordable home for your family? Our Yorkton Chapter is now accepting preliminary applications for their 2025 home build! This is an incredible opportunity for a family to partner with us and make the dream of homeownership a reality.

Eligibility Criteria for Homeownership

To qualify, applicants must meet the following minimum requirements:

• Residency: Be Canadian citizens, permanent residents, or landed immigrants who have lived in Saskatchewan for at least one year.
• Employment: At least one applicant must be employed full-time with a stable income for a minimum of one year and have at least two years of employment history in Canada.
• Financial Responsibility: Demonstrate responsible debt management with no bankruptcy declarations in the past three years.
• Family Composition: Have at least one child under the age of 16.
• Income: Total gross annual household income must be between $45,000 and $77,500, as determined by the Saskatchewan Housing Corporation.
• Credit Standing: Maintain a good credit rating with no collections or judgments against you.

In addition to these criteria, families must be willing to:

• Volunteer: Contribute 500 hours of volunteer work.
• Education: Complete mandatory homeowner education classes.
• Ambassadorship: Serve as ambassadors for Habitat Saskatchewan, representing our mission at events and in media.

How the mortgage works with Habitat Saskatchewan

Habitat for Humanity’s unique homeownership model is designed to make homeownership affordable for families. Here’s how it works:

• No Down Payment Required: Families are not required to provide a down payment, removing one of the biggest barriers to homeownership.
• Affordable Payments: Monthly mortgage payments are set at 25% of the family’s total gross annual household income, ensuring payments remain manageable.
• Zero-Interest Mortgage: Habitat provides families with an interest-free mortgage, further reducing the financial burden of homeownership.
• Equity Growth: Families build equity in their home as they make their monthly payments, creating long-term financial stability.
• Supportive Partnership: Habitat remains a supportive partner, offering resources and guidance to ensure families succeed as homeowners.

This innovative system empowers families to break the cycle of poverty, creating a stable foundation for their future.

How to Apply

Preliminary applications are available now!

To obtain an application:
📧 Email: info@habitatyorkton.ca
📞 Call: 306-620-8662 or 306-620-5011

Take the first step toward homeownership today!

Building a Brighter Future Together

The Yorkton Chapter is proud to continue its mission of building strength, stability, and self-reliance through shelter. If you or someone you know might qualify, we encourage you to apply today. Together, we can create a brighter future—one home, one family at a time.