A Foundation for Generations: Linda's 30-Year Journey to a Paid-Off Mortgage

In 1996, Linda Kirkland was living in a third-story apartment above a local barbershop with her husband and their two daughters. With her husband recovering from a back injury and Linda suffering from arthritis, the three flights of stairs became increasingly difficult to conquer. Seeking stability and a more accessible home, they decided to apply for a Habitat for Humanity house after hearing about the program through their church. Nearly 30 years later, Linda made her final mortgage payment marking her financial freedom and a legacy to pass on to her family. 

Her journey to home ownership began with Linda and her family putting in 500 hours of “sweat equity” where they helped build their home alongside volunteers. Linda recalls the time spent working on her home as "really fun and interesting," with her daughters still reminiscing on this experience decades later. The experience provided Linda’s daughters with community, confidence, and practical skills. “When it comes to house projects, they don't need a man," Linda says proudly of her now very handy daughters, adding, "I think it was good for them.” Their home’s build site was a space where lasting bonds were formed with one volunteer even planting hostas in the yard that are still growing today — a living reminder of the community that rallied to build her home. 

The community Linda found through Habitat remains strong. Even decades later, three of her original four Habitat neighbors still reside in the homes they helped build, serving as a powerful example of how homeownership can provide stability. 

The affordable mortgage served as a critical lifeline for Linda, especially after the loss of her husband in 2003. As a preschool teacher, her income was modest, and she was suddenly faced with supporting herself and her younger daughter on an "itty-bitty paycheck.” The interest-free mortgage payment provided the financial security she needed to remain in her home. "I just always thank God that he provided the house... years previously in order that I could stay and have a home," she shared. 

Today, homeownership provides Linda with a profound sense of security and hope. Linda plans to pass the home on to her youngest daughter, ensuring her grandchildren have a stable place to call their own for years to come. Linda believes that her home and the stability it continues to provide are a “gift from God.” Her inspiring story shows the transformative nature of Habitat homeownership and the lasting impact it has on generations to come. 

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