All HabiJax homes are purchased with a no interest mortgage, which makes the payments extremely affordable.  Property taxes and homeowners insurance are included in the monthly payment. In the event of a homeowner’s death, the deed is transferred to the rightful heirs as long as they have the ability to continue to make monthly mortgage payments and eventually obtain ownership of the home.

As their lives change, some homeowners decide to sell their HabiJax home.  When this happens, HabiJax has the right to repurchase the house before it can be sold on the open market.  In the event that HabiJax decides not to purchase the house, the homeowner may sell it through traditional methods.

Children of homeowners in grades 7-12 are eligible to participate in the Hicks Prep Club, an educational enrichment program.  For more information, click here.  College-bound students are eligible to apply for the Hicks Scholarship, a full four-year scholarship to the University of North Florida generously funded by David and Ann Hicks.  For more information on how to apply, click here.

The benefits of owning a HabiJax home are many.  Homeownership provides a tangible asset and a level of stability that renting does not.  Parents have more disposable income, children are able to focus on their future, and families become stronger.  This allows them to break the cycle of poverty and achieve their dreams.