DORCHESTER HABITAT FOR HUMANITY INC
101 Greyback Road, Summerville, SC 29483 www.dorchesterhabitat.org

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Organizations Filed Purposes: Dorchester Habitat for Humanity, Inc.'s ("DHFH") Mission statement is "Putting God's Love Into Action By Bringing People Together Building Homes and Hope." DHFH was founded in 1993 and has built sixty-seven (67) homes. DHFH is an approved affiliate of Habitat for Humanity International ("HFHI"), but it does not receive any monetary funding from HFHI. DHFH builds new homes in partnership with low-wealth families in Dorchester County, South Carolina, who have a demonstrated need for affordable and decent housing. Habitat homes are built by DHFH's construction crew and hundreds of volunteers, including future and current Habitat homeowners. DHFH sells Habitat homes to qualified future homeowners in its Homeownership Program.

ReStore Program - DHFH operates a ReStore which sells donated items to the general public tax-free and at reduced prices. Proceeds from ReStore sales are used to fund DHFH's Construction and Homeownership Program. The ReStore is open each week Monday through Saturday from 9 am - 7 pm for shopping and to accept donations. The ReStore also performs scheduled pick-ups from homes and businesses six days a week. Local businesses and individuals generously donate new and gently used items to the ReStore. The ReStore utilizes hundreds of volunteers to keep administrative costs down.

Construction and Homeownership Program - DHFH partners with low-wealth families in need of affordable and decent housing to build new homes that are sold to the qualified future homeowners. DHFH's Homeownership Program requires that families: have lived and/or worked in Dorchester County, South Carolina for at least one year; demonstrate a need for affordable and decent housing; earn between 35%-80% of the median income for Dorchester County, based upon the size of the family that will reside in the Habitat home; have and maintain a housing expenses-to-income ratio of 32% or less; have and maintain a debt-to-income ratio at or below 40%; have and maintain a good credit history; work at least 425 "sweat-equity" hours in partnership with DHFH; and pass criminal record and sex offender registry checks.The Homeownership Program assists future homeowners to become financially stable and independent by requiring that families complete at least 25 "sweat-equity" hours of budget, credit, financial and homeownership counseling and coaching with The Financial Transformation. Future homeowners are required to work at least 60 "sweat-equity" hours in building other future homeowners' Habitat homes and at least 60 "sweat-equity" hours building their own Habitat home. Homeowners pay DHFH an interest-free mortgage over twenty,twenty-five, or thirty years. Monthly mortgage payments include a portion of the principal amount of the mortgage and escrows for homeowners' insurance, property taxes and termite bonds. The mortgage principal payments go back to the organization and are used to purchase land and construction materials to build additional Habitat homes.DHFH's Construction and Homeownership Program utilizes mostly volunteer labor, at least 2000 hours of volunteer labor per home, to build Habitat homes.

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