Donate Your Car Cars for Homes: Vehical Donation Program Cars for Homes™ is Habitat for Humanity’s national vehicle donation program that converts your donated vehicle into cash to help fund afordable home development in local communities. When you donate a vehicle to Cars for Homes, proceeds benefit your local Habitat for Humanity affiliate. Your contribution may qualify for a tax deduction. Donate your vehicle by: Providing your information Submitting your donation Arranging pickup Receiving tax receipt Donate Your Car Frequently Asked Questions: What kinds of vehicles can be donated? We accept almost all vehicles, running or not, as long as they have all the parts and inflated tires. Cars, trucks, motorcycles and recreational vehicles can be donated online at carsforhomes.org. When my vehicle is sold, how much of the money goes to Habitat? Our partners at Advanced Remarketing Services return a higher percentage than any other vehicle processing entity. On a monthly basis, between 84% and 87% of the gross revenue generated from vehicle sales comes to Habitat for Humanity. From 2019 to 2023, your vehicle donations helped generate more than $72 million for afordable homes. What happens after my vehicle is picked up? Your vehicle will be sold on behalf of Habitat through a national network of auctions and direct buyers. After the vehicle has been sold, you will receive appropriate documentation for your taxes, based on the value of the sale.

Stock and IRA Gifts Other Ways to Give Financial Donations Donate Goods or Services Other Ways to Give Corporate Partnership Pope Leo Village Real Estate Build Women Build Habitat for Humanity of Greater Cincinnati welcomes gifts of stock and has a brokerage account with Merrill Lynch for your convenience in transferring publicly traded securities. Electronic delivery of shares is the most secure and expedient process available and provides efficient internal control as well as cost savings. Benefits of gifts of stocks and bonds: Avoid paying capital gains tax on the sale of appreciated stock Receive a charitable income tax deduction Helps Habitat purchase materials to build and repair more homes for hardworking Greater Cincinnati families It’s a simple three-step process for donating securities to Habitat for Humanity Greater Cincinnati: 1. Contact Your Broker with your donation intentions. Have them transfer the securities to: Merrill Lynch Wealth Management Group Andrew Felger 312 Walnut Street, Suite 2425 Cincinnati, OH 45202 DTC Number: 8862 Beneficiary Account Number: 7LS-03000 Beneficiary Account Name: Habitat for Humanity Greater Cincinnati Brokerage Contact Information: Stephanie Beck Borden, 513-562-2149 or Andrew Felger, 513-579-3788 Toll Free: 1-800-919-3618 Fax: 513-322-4133 2. Notify HFHGC of your intentions 1. Please notify us at Development@HabitatCincinnati.org or 513-482-5605 that you initiated the stock gift, as stocks arrive in our account without identification. This will ensure the gift reaches Habitat for Humanity of Greater Cincinnati as you intended, and that we know how you would like it to be used. The date that the control of the stock is transferred is key to determining the tax deduction for the gift. Please provide: Donor's first and last name, phone number and address Name of the company the stock shares are coming from Number of shares to be donated Name and phone number of broker/custodian When broker will be directed to execute the gift Whether gift is for general support or a specific purpose Shortly after receiving your gift, a gift acknowledgement letter will be provided for tax purposes. Habitat for Humanity of Greater Cincinnati is obligated to record your gift as of the day it is received into its brokerage account. With increased year-end transactions, please plan charitable giving early. Consult your financial advisor before initiating a charitable gift arrangement. Habitat for Humanity Greater Cincinnati does not provide financial, tax, or legal advice. Individual Retirement Account (IRA) Contributions If you are at least 70½ years old, you may make a charitable rollover gift of up to $108,000 each year directly from your IRA. An IRA Charitable Rollover Gift satisfies your annual required minimum distribution, can be given directly to Habitat for Humanity Greater Cincinnati, and is excluded from your taxable gross income—potentially reducing your tax liability. Contact your IRA account administrator to initiate your gift. Request that funds be transferred directly to Habitat for Humanity Greater Cincinnati. Ensure your name is included on the donation paperwork for tracking and acknowledgment purposes. Important Notes Habitat for Humanity Greater Cincinnati encourages donors to consult their financial advisors to ensure optimal tax benefits and compliance with all IRS requirements. All gifts help build affordable homes for families in Greater Cincinnati. For accounting and recognition purposes, always notify Habitat when making any gift of stock, bonds, or IRA contributions.

every donor Other Ways to Give There are many ways to support Habitat for Humanity of Greater Cincinnati beyond a traditional one-time donation. Financial Donations Donate Goods or Services Other Ways to Give Corporate Partnership Pope Leo Village Real Estate Build Women Build Let's get creative There's always a way to support HFHGC! If you have an idea that we haven't thought of yet, please reach out to us at development@habitatcincinnati.org . In the meantime, here are some more ways to give, choose one to learn more! Legacy Giving Leave a lasting legacy Donor-Advised Fund Donate to Habitat using your donor-advised fund Employer Matching Gifts Information Stock and IRA Gifts Information Donate by Mail Where to send your donations by mail Legacy Giving Unlike a cash gift, a planned gift is typically made in your estate rather than from your disposable income and comes to fruition after your lifetime. For many who make planned gifts, it's a way to leave a legacy by doing something extraordinary. To find out how you can leave a lasting legacy, email us at Development@HabitatCincinnati.org . Donor Advised Funds If you have a donor-advised fund at a community foundation or a company like Schwab or Fidelity, you can make a gift to Habitat. Simply follow your fund's normal grant suggestion process and specify Habitat for Humanity of Greater Cincinnati (tax ID #31-1185975) as the grant recipient. Stock & IRA Gifts Donating shares of stocks or IRA contributions can offer tremendous tax advantages to you. We're happy to work with you and your financial adviser on a plan. Electronic delivery of shares is the most secure and expedient process available and provides efficient internal control as well as cost savings. It's a simple two-step process, get started below: Donate Stock Employer Matching Gifts Thousands of companies have matching gift programs which double or even triple individual, tax-deductible contributions made by employees. Local companies with matching gift programs include GE, Ethicon/Johnson & Johnson, and others. Please check with your Human Resources Department to learn whether you qualify! Shop and Give Shop at Kroger to give back. Register your Kroger Plus card with NPO #SA308 (new number!). These are simple and easy ways to support us, at no cost to you! Donate by Mail To donate by mail, please send your donation to: Development Department Habitat for Humanity of Greater Cincinnati 4910 Para Drive Cincinnati, OH 45237 Looking to Donate Goods or Services? At HFHGC we accept donations of goods or services, such as used cars or gifts in kind, to support our mission in different capacities Learn More

Habitat for Humanity of Greater Cincinnati is a nonprofit housing ministry that creates affordable homeownership opportunities in Greater Cincinnati. Buy a Home See if you qualify for the Affordable Homeownership Program Make a Donation Support affordable housing in the Greater Cincinnati area Volunteer On a construction site or in one of our ReStores See Our Impact View financial reports and numbers. What will you build? At Habitat for Humanity of Greater Cincinnati, we believe everyone deserves a safe, affordable place to live. Through our various programs and services, we create and preserve opportunities for affordable homeownership. Learn More Home Starts with You Join us in building a Greater Cincinnati area. We need your support to create more access to affordable housing. Donate Now The Store that Builds Homes The Habitat for Humanity ReStores sell new and used household items and building materials. By donating or shopping at the Habitat for Humanity ReStore, you help create affordable homeownership opportunities in our community. Donation Pick-up Latest News Celebrate Pope Leo's 70th Birthday: Double Your Impact with the Pope Leo Village Campaign! Join the Pope Leo Village Campaign and be a part of something bigger. The Pope Leo Village is YOU. By donating, you are standing with thousands of people across the country that are inspired by a vision of community and service to others. We know that together, we can build brighter futures and stronger communities. It all starts with a home. HABITAT FOR HUMANITY OF GREATER CINCINNATI ANNOUNCES THE POPE LEO VILLAGE CAMPAIGN Habitat for Humanity of Greater Cincinnati is proud to announce the launch of the Pope Leo Village campaign. This new, multi-city initiative is sponsored and inspired by an anonymous donor committed to Pope Leo’s vision and commitment to serve others. Real Estate Community Build 2025 Real estate industry professionals know that homeownership matters to individuals, families, and communities. It matters because it... Sign up for our newsletter! Special thanks to our Season Sponsors

Fy 2025 Annual Report: Habtiat for Humanity of Greater Cincinnati. FY25 Annual Report Introduction | Homeownership | Repair | CTP | Volunteers | ReStore | Donors | Financials together, we build the future. July 1, 2024- June 30, 2025 Annual Report Dear friends, This past year has been a remarkable chapter in the story of Habitat for Humanity of Greater Cincinnati. Together, we celebrated the construction of our 700th home - a milestone that represents the strength, stability, and hope created when families have a safe and affordable place to call home. And our impact extends beyond Greater Cincinnati through our Global Village work helping families worldwide realize the same dream of safe, decent housing. Each house we build is a testament to the power of partnership and the generous support from friends like you. As we reflect on this achievement, we also look forward with a bold vision. Our commitment to the traditional Habitat model of building one home at a time remains strong. The homes we build alongside future homeowners, volunteers, and community partners will always be at the heart of who we are. Yet, we also recognize the growing scale of the affordable housing crisis in our region. To meet that need, Habitat Greater Cincinnati is preparing to expand our impact through larger, multi-home developments and new construction technologies that allow us to create more opportunities for families and transform entire communities. We are not doing this work alone. As the largest nonprofit homebuilder in Greater Cincinnati, Habitat Greater Cincinnati is increasingly at the table in bigger conversations that shape long-term housing strategies across our community to address the shortage of affordable housing. Collaboration has always been part of our DNA, and today it is more important than ever. By partnering with neighborhoods, municipalities, and other housing leaders, we are helping to set a new standard for affordable housing - sustainable, community-driven, and transformational. It is a privilege to walk alongside individuals and families as they achieve their dream of homeownership. As we look at the path ahead, it is being built - literally and figuratively - by all of us. We hope you will continue to follow our progress, advocate for our vision, and support in the ways you can. Afterall, none of this would be possible without you. Joe Hansbauer President & CEO Habitat for Humanity of Greater Cincinnati Highlights July 1, 2024-June 30, 2025 We celebrated the completion of the Reckford Woods Neighborhood in Oxford, OH. 20 home neighborhood entirely built by Habitat “I just always thank God that he provided the house, years previously, in order that I could stay and have a home.” Linda, Habitat homeowner since 1996 Linda's Story Affordable Homeownership The affordable homeownership program creates opportunities for first-time homebuyers in need of adequate housing to build their homes alongside volunteers and purchase their home with an affordable mortgage. Affordable Homeownership Program 17 new-construction homes were built. FY 2024 Program Highlights Sylvia and Janie: Affordable Homeownership Program Sylvia and Janie are sisters and Habitat homeowners on the same street in Mt. Auburn. In April, both sisters paid off their mortgages. They share their story of growing up in a small apartment in a government housing project, and the impact that Habitat has had on their lives over the last 20 years. Read More Critical Home Repair The Critical Repair Program assists low-income homeowners with home repairs and accessibility modifications so that they can remain safe and stable in their homes. Critical Repair Program 40 military-connected families partnered with the Critical Repair Program to improve their home. FY 2024 Program Highlights Construction Training The Habitat for Humanity Construction Training Program, or CTP, is a workforce development initiative designed to train and prepare individuals for careers in the construction industry. Construction Training Program 5 Construction Training Cohorts in FY24. FY 2024 Program Highlights Terrell's Story: Construction Training Program In October, Terrell joined the Habitat Construction Training Program with goals of becoming an electrician. As part of the program, Terrell spent time on Habitat build sites where he met long-time volunteer, John. Terrell says that John helped start his career by informally mentoring him and teaching him skills that would help him in his career. Terrell was selected to join the prestigious IBEW Electrical Union in May and currently works as an apprentice. you made it possible. Your Impact: Volunteers Volunteers are a vital part of Habitat for Humanity of Greater Cincinnati, and it was an incredible year. You helped raise walls, repair and beautify homes, and support the ReStores. We could not have done it without you. Learn About Volunteering 35,136 hours served by volunteers FY 2024 Volunteer Highlights Your Impact: Faith We are so grateful to those of you who are motivated by your faith to support Habitat as volunteers, advocates, prayer partners, and financial donors. Learn About Faith Support 6 homes sponsored by faith coalitions FY 2024 Faith Highlights Your Impact: Advocacy We would not be able to do it without the support of the governments and elected officials who support affordable housing policies. 135 hours advocating for affordable housing policies. FY 2024 Advocacy Highlights Your Impact: ReStore The Habitat for Humanity of Greater Cincinnati ReStore supports affordable homeownership by selling new and donated home goods and building materials. Proceeds help fund Habitat projects, while the ReStore promotes sustainability by diverting usable items from landfills and offering affordable options to the community. This year we opened our sixth ReStore location in Loveland, Ohio in March 2024. This additional store will provide necessary income to build even more homes in our community. Learn More about the ReStore 7,751 people donated items to the ReStore FY 2024 ReStore Highlights Your Impact: Donors You contributed in a big way this year. We are so grateful to everyone who contributed financially to support our mission. 2,221 donors made financial contributions. FY 2024 Donor Highlights Sources of Donation Revenue "It's easy for me to ask for money when I believe in a project. Fundraising might seem daunting, but it really isn't especially if you have ten of your friends giving $25 to $50. It's not a lot of money, but it really makes a difference. The collaboration among friends and supporting the community to be a better place to live in is so rewarding." Melinda Kirk Stenger, Women Build Leader Melinda's Story: Women Build Last year over 144 women joined Women Build to fundraise and construct a home in Lower Price Hill. Together these women raised $52,193 to support the direct cost of materials to build the home. Melinda Kirk Stenger was a key Women Build leader who helped make it happen. Read More Corporations* Bank of America Merrill Lynch BHDP Architecture BSI Engineering Chemed Foundation Cisco Foundation Citi Delta Air Lines Inc. Donatos Family Foundation Enterprise Holdings Foundation Ethicon Surgical Technologies Fund Feldkamp Marketing FIS Global GE Foundation General Electric Credit Union Guardian Savings Bank Heart in Hand Needleart Partner Engineering and Science, Inc. pep, LLC Republic Bank SORTA/Metro State Farm Insurance The Home Depot Foundation The Ohio National Foundation The Procter & Gamble Company Union Savings Bank Vinebrook Homes, LLC *corporate sponsors of $5,000 or more. Gifts Made In-Kind** Bouldin Builders Crossroads Missions/Help Build Hope DuPont Ernst Concrete Hamilton County Reutilization Corp. Jason Gerth Plumbing Levolor Maksim Roofing Schneider Electric Whirlpool Corporation Window World **donation value of $5,000 or more. Excludes ReStore GIK. Foundations Disabled Veteran’s National Foundation Fifth Third Foundation CRO, Fifth Third Bank, N.A., Trustee George B. Riley Trust Estate Jacob G. Schmidlapp Trust, Fifth Third Bank, Trustee James J. and Joan A. Gardner Family Foundation The Anna & Harold Huffman Foundation The Ed and Joann Hubert Family Foundation The Robert & Adele Schiff Family Foundation Public Funding Butler County Community Development City of Cincinnati - Community Development Federal Home Loan Bank of Cincinnati Hamilton County Community Development Ohio Department of Development Ohio Environmental Protection Agency Ohio Housing Trust Fund Faith Communities All Saints Church Anderson Hills Church Bellarmine Chapel Burress Temple Apostolic Church Calvary Episcopal Church Christ Church Cathedral Christ Church Glendale Christ Presbyterian Church Cincinnati Meeting of Religious Society of Friends Erlanger Christian Church, Inc. Fairfield Church of Christ Faith Lutheran Church & Campus Ministry Faith Lutheran Church, Finneytown Good Shepherd Lutheran Church Greater Liberty Baptist Church Inc. Greenhills Community Church Presbyterian Hartzell United Methodist Church Hilliard United Methodist Church Hyde Park Community United Methodist Church Oak Hills Presbyterian Church Our Lord Christ the King Church Oxford Presbyterian Women Oxford United Methodist Church Parkside Christian Church Pleasant Run Presbyterian Women’s Association Presbyterian Church of Wyoming Runyan Memorial Christian Church Society of the Transfiguration St. Barnabas Episcopal Church St. Paul Community United Methodist Church St. Paul’s United Church of Christ St. Peter & St. Paul United Church of Christ St. Thomas Episcopal Church St. Vincent Ferrer Church Sycamore Presbyterian Church The Community of the Good Shepherd Westwood UMC - United Methodist Women Faith Coalitions Eastside Coalition St. Barnabas Episcopal Church Church of the Saviour United Methodist Church Good Shepherd Lutheran Church St. Vincent Ferrer Roman Catholic Church St. Paul United Methodist Church Sycamore Presbyterian Church Wyoming Presbyterian Church Hartzell United Methodist Church Hope Coalition Ascension and Holy Trinity, Wyoming Calvary, Clifton Christ Church Cathedral, Cincinnati Christ Church, Glendale St. Andrew's, Evanston Shalom Coalition Anderson Hills Church Bellarmine Chapel Hyde Park Community United Methodist Church Our Lord Christ the King Church St. Cecilia Church St. Stephen Church Sycamore Coalition Faith Community UMC Good Shepherd Montgomery Community Church West Chester UMC Special Thanks to Dedicated Service Groups A-Team Hammer & Heart Squad Westfed FY 24 Board of Directors Amanda Hill Angie Krausen Bishop Ennis F. Tait Debbie Brooks Don Oliver Horaleo Ukpan Jacob Samad Joanna Kemper JR Foster Mark Brown Mel Rodriguez Michael Q. Dozier Rene Cheatham Steve Chaney Tina Hill-Harris Tonia Elrod Financial Statements Audited Financials- FY2024 Previous Years Financials

every donation Goods or Services At HFHGC we accept donations of Goods or Services, such as used cars or gifts in kind, to support or mission in different capacities. Learn about our different programs below! Financial Donations Donate Goods or Services Other Ways to Give Corporate Partnership Pope Leo Village Real Estate Build Women Build Program Overview Choose a good or service below to learn more: Cars for Homes - Donate your car and the proceeds from the sale are donated back to us! Gifts in Kind - Donate tools or materials to us! ReStore Donations - Donating your new or gently used items to our ReStores is a great way to support our mission! Real Estate Donations - Donate land to build on or real estate to convert to affordable housing Professional Services - We welcome gifts of services or labor to build, rehab, or repair homes. Cars for Homes Donating a car, truck, boat, or plane is a great way to support our work. All net proceeds from the sale of your vehicle provide strength, stability and self-reliance for families in Greater Cincinnati. You may qualify for a tax deduction (please check with your tax advisor). They'll even pick up your vehicle! Start your donation online or call 877-277-4344. Donate My Vehicle Gifts in Kind Does your business supply building materials? Can you provide in-kind support through the donation of goods to advance our Homeownership or Home Repair work? We appreciate your partnership and your donation is tax-deductible. For more information please contact development@habitatcincinnati.org . ReStore Donations Our five ReStores sell new and gently used furniture and building materials to the general public at discounted rates, and the proceeds are used to fund our building costs! Our stores also give donors an outlet to recycle and re-purpose items that might otherwise go to local landfills. Habitat for Humanity is a tax-exempt charity, so donations may provide a tax benefit to donors. Please visit our ReStore Donations page to learn more: ReStore Donations Real Estate Donations We welcome the donation of land to build on or property to convert to affordable housing! For real estate donations, please contact Adam Nelson, Property Acquisition & Design Manager at adam.nelson@habitatcincinnati.org or 513-482-5611. Please provide the property address and condition of any buildings on the site. Professional Services We welcome gifts of services or labor to build, rehab, or repair homes. For example, a plumber can donate bathroom installation, or a landscaper can help finish the outside. These gifts save on construction costs so that we can serve more families, and helps keep the Habitat homebuyer’s mortgage payments low. If you are interested in donating services, please contact info@habitatcincinnati.org .

more than just a house Creating Community The shared experience of building their home with Habitat fostered a sense of community for Naomi, Rena, Le’Asia, and Brianna who met at their first homebuyer meeting. They immediately developed a support network, often working on each other’s’ homes. Soon they will be neighbors as they grow into their homes and their new community. Help Foster More Community “Because of the donors, because somebody decided they had enough time on a Saturday morning, my kids will have their forever home.” Meet Le'Asia Le'Asia is a disabled veteran with a background in HR. But throughout her time in the military and with her own personal experiences, she was inspired to pursue healthcare. She finishes up her program soon at a local college of nursing. Le'Asia has two children: Mason and Madison. Mason is 9 years old and enjoys sports and learning. He was recently accepted into the Gifted Program at school. Madison is 6 years old and enjoys playing princesses. "We love being together, having movie nights, doing crafts, and finding an adventure," says Le'Asia. She's most looking forward to making memories in their new home. "I absolutely cannot wait to create memories in our home," she says. "From cooking in our kitchen to projects at our table and the creative expression that comes with homeownership." Because of Habitat, I was able to go back to nursing school and feel confident to not have to worry about the market of rent. Donate Now Meet Bri Brianna "Bri" Suggs works at a school in Bond Hill. She has one daughter named Amina. "I am a mom who enjoys exploring new places and learning new things," says Bri. "Amina is very interested in exploring new things as well and she has lots of energy." They love listening to music, dancing, reading, and trying tasty foods. Bri is currently enrolled at the University of Dayton pursuing her doctorate in Educational Leadership. "My [current] living situation is cramped as we are living in a one-bedroom apartment," says Bri. "Additionally, affordability is significantly important to me as I am paying for school out of pocket and a single mother providing sole care of my daughter." Bri says that her home will be a place of security, happiness, memories, and love. This will be a chance for her to create generational wealth and financial opportunities. "I want to take part in establishing my own home and the community I will be living in,” says Bri. Being able to donate your time, donate finances, really is transformative for the communities that we live in and for the generations to come. Help More Families Meet Rena Rena has been a STNA nurse aide for 19 years. "I love what I do, it works well for my kids, and I never get tired of it!" She has 3 kids and describes her family as "outdoor people." They love to visit the Banks in Downtown Cincinnati and see the ducks at Eden Park. "We're a pretty close-knit family," she says. This is going to be a fresh start for Rena and her family. "I'm very blessed. I'm a very Godly person. God does things for a reason," says Rena. "It's been kind of rough." The last place they were renting was sold by their landlord. They finally found a new apartment but, like many Cincinnatians, are paying a super high rent. Rena is excited about having more space. They currently live in a 2-bedroom apartment, and Rena's mom also lives with them. She can't wait for them to each have their own space. "They're all going to have their own rooms. [I'm excited for them] to decide how they want to decorate." "I've always wanted to buy my own home," says Rena. "God put me here. I was very excited to get the call. I was teary-eyed. I'm just blessed to have this opportunity." I want to be a role model to other people who have been through what I've been through. Change a Life Meet Naomi She currently works at Cincinnati Children’s Hospital. She has a one-year-old daughter named Bailey, who enjoys singing and dancing. "Growing up my family was extremely close," says Naomi. "[We] would get together at least weekly for various events. I am hoping to build similar family traditions with my daughter and stress the importance of love." Naomi attended Xavier University and received a Bachelor of Science in Healthcare Administration with a minor in business. After graduation she attended an online AAPC course and is now a Certified Professional Coder. She was attending Xavier's MBA program but took a break due to pregnancy. She is looking forward to going back once she and Bailey have more stability. "My living situation has been fairly stressful and overwhelming due to overcrowding and lack of control," says Naomi. They currently live with Naomi's mother, who Naomi has a great relationship with, but she is ready to branch out and get her own space. Her brother and his six children also live in the house, so it can get crowded and hectic. Naomi needs a space of peace for when she works from home. "Prior to applying for Habitat, I had been house searching for over a year; however, the market was bad and only getting worse as time went on," Naomi says. "Any house within my budget would have been a fixer-upper and in no condition to bring a newborn baby into. I literally had door after door closed on me & it was not looking too bright. Looking back, I am extremely grateful for the closed doors because it led me to this moment and is setting my family up for unimaginable success!" Looking back, I am extremely grateful for the closed doors because it led me to this moment and is setting my family up for unimaginable success. Make a Gift YOU can make a difference. Today. Because of donors and volunteers like you , first-time homeowners have a community of support as they take on this great responsibility. These women found something pretty fantastic through their experience with Habitat: a sisterhood. Because someone like you gave their time or resources and believed in the power of homeownership, these four women and their families have a forever place to live. They also have a forever bond. You can be that someone for another family by making a gift today. Thank you for believing in families, in legacy, and the beauty of new beginnings. Support Homeownership "You really build relationships as well as houses. And you build communities." Make a gift. Create communities. Change lives. Donate Now

ATTENTION! The Florence ReStore is moving! Grand opening Sep. 6! shop. donate. volunteer. The ReStores are the home improvement stores and donation centers of Habitat for Humanity of Greater Cincinnati, a nonprofit organization. The ReStore locations sell new and gently used furniture, home accessories, building materials, appliances, flooring, cabinetry, and more at a fraction of the retail price. Profits generated from the ReStores support Habitat’s mission to build and improve the places our neighbors call home. Locations Donate to the ReStore ReStore Locations Donate Items Shop ReStore Recycle at the ReStore Volunteer Custom Cabinets What can I find at the Habitat ReStore? Furniture Cabinetry Lighting Sofas Washers & Driers Overstock home goods Doors & Windows New Rugs ... and so much more! Shop the ReStores ReStore Q&As NEW! Custom Cabinets See More Our Locations We have six locations across the Greater Cincinnati Area - four in Ohio and two in Kentucky! Learn More Donate to the ReStore Acceptable items to donate and how to donate them! Learn More Free Donation Pick-up Recycle at the ReStore Donate your unwanted electronics and metal Learn More Volunteer at the ReStore We are always in need of volunteers to work with our ReStore staff to create a friendly and helpful shopping experience for our customers. Volunteers assist in unloading our trucks, merchandising and pricing, assisting customers on the sales floor, and much more! Sign Up New Arrivals at the ReStore ReStore News See All News Kickin’ it with Ken at the ReStore Create a Clutter-Free Home This Spring & Support Your Community

workforce development Construction Training Program The Habitat for Humanity Construction Training Program, or CTP, is a workforce development initiative designed to train and prepare individuals for careers in the construction industry. CTP, a collaboration between Habitat for Humanity of Greater Cincinnati and CityLink, is a powerful tool for low-income adults to break the cycle of poverty by providing skills, certifications, and pathways to stable, well-paying jobs. Enroll Employers Start Here Homeownership Rock the Block Critical Repair Program Construction Training Advocacy Uniquely Habitat Our mission at Habitat for Humanity of Greater Cincinnati is to build homes, community, and hope. The Construction Training Program allows individuals to tap into this mission as they build a home alongside a Habitat homebuyer. Many students say is a very meaningful and empowering experience. For nearly 40 years, we have taught hands-on construction skills to volunteers of all skill levels. CTP leverages what Habitat does best, and gives trainees the opportunity to learn about home construction at every stage of the process. Students also experience the benefits of building supportive relationships on site and report that they are grateful for their cohort and for the relationships that they carry beyond the program. Impact In FY2024, 42 students graduated from CTP. 24 students were hired after graduation (as of July 2024). "The reason why I got into construction is because I wanted to have a career. want to help people... there's a need for housing. I have a plan to where I can help people just like Habitat for Humanity does. I really look forward to starting this journey and this program has helped me tremendously." Ivory, an August 2023 graduate Growing a Vital Industry The construction industry is a vital part of the American economy, and demand for skilled workers is on the rise. In Greater Cincinnati, we're experiencing a shortage of skilled workers in this industry. The Habitat for Humanity Construction Training Program is designed to provide individuals with the training and skills they need to succeed in the construction industry. Participants receive on-the-job training and wrap around support as they complete the program and enter the in-demand field. Program Overview The 6 week training program equips students to understand the basics of construction so they are prepared to enter the workforce construction-ready! Hands-on tool training Get OSHA-10 & NCCER Core Certified in only 6 weeks. 100% of participants interview with employers. 8-10 Habitat build days 100% tuition-free! Students enroll for the program through Enroll Hire CTP Graduates Sponsor a Cohort No experience necessary. Previous construction experience is not necessary to qualify for our program. As a training course we expect most trainees to have little to no experience. Our program is designed to introduce trainees to the construction field. Utilizing classroom, lab, and field experiences, we aim to give our trainees the tools to discover their interests and prepare them for a career pathway in apprenticeship programs, entering the workforce. Program Eligibility Must be 18 years or older Must have driver’s license before the program begins Must commit to being drug-free while engaged in the program Academic aptitude in both reading and math Most felonies accepted. No sex crimes. Prepared for careers in commercial construction Students complete the class with OSHA-10 & NCCER Core Certifications. All students have the opportunity to interview with employers and most begin careers immediately following graduation. Upon completion of the 6-week program, students have the opportunity to work a paid full-time position for an additional 6 weeks maximum at Habitat for Humanity Greater Cincinnati. Students can leave at any time when they receive another job offer. During this additional 6 weeks, students will have continued support in resume building, interview preparation, and applying for jobs. Graduating students accepted jobs with the following companies: Skanska A&A Wall Systems 8K Sure Mechanical Gaslight Properties Habitat for Humanity Greater Cincinnati Deuss Messer PWC UWDI DJX Learn More "I walked into the program, didn't know anything. Now that I've graduated with the program, I have learned so much more than I knew before. The program is challenging, but challenging in a good way. [...] I have learned to be patient with things instead of rushing things." Megan, Program Graduate Megan's Story Construction partners and sponsors needed This program is made possible by the generous donations of individuals, churches, companies, and foundations. By providing individuals with the training and skills they need to succeed in the construction industry, we are helping to address the shortage of skilled workers in the region. This, in turn, is helping to drive economic growth and create new opportunities for individuals in our community. As a Cohort Sponsor, you will receive: Opportunity to interview and make job offers to cohort graduates. Regular behind-the-scenes updates and opportunities to engage with your cohort. Opportunity to speak at your cohort’s graduation. Permission to use Habitat Logo, one of the most widely recognized and beloved logos in the world. Recognition on our website. Social Media Post highlighting your company as a Cohort Sponsor. Highlight in our quarterly email newsletter. Contact Us Habitat Construction Training Program ctp@habitatcincinnati.org 513-482-5617 Habitat Construction Training Program classes are held at CityLink Center located at 800 Bank Street. Top of Page Contact Us

Build and buy a home with Habitat for Humanity of Greater Cincinnati. Affordable homeownership opportunities. Apply now. every family Homeownership Habitat homebuyers build their home alongside volunteers and purchase their home with an affordable mortgage Homeownership Rock the Block Critical Repair Program Construction Training Advocacy Program Updates: The application period is now closed. We are not accepting applications for the Affordable Homeownership Program at this time. Please check back on the 10th of each month to see if we are resuming applications. How to Apply Program Overview Habitat for Humanity of Greater Cincinnati is a partnership housing program in the truest sense of the word. Applicants must demonstrate a need for housing, the ability to pay back an affordable mortgage (payments will not exceed 30% of income and include taxes and insurance), and be willing to partner with Habitat in the building and buying of their home. Habitat homebuyers work side by side with volunteers each week building their own home and the homes of others, attend homeownership and Financial Peace University classes, and are positive ambassadors for HFHGC throughout every step of the process. In exchange, Habitat homebuyers are provided the opportunity to build and buy a home with Habitat for Humanity with an affordable mortgage payment. We give away nothing, but opportunity. Application Process: Review Habitat's qualifications for applying Review our income guidelines Confirm you meet credit requirements Confirm you are interested in one of our build sites Fill out an application Frequently Asked Questions Two Sisters Celebrate Nearly 20 Years of Homeownership as Neighbors Sylvia and Janie are sisters and Habitat homeowners on the same street in Mt. Auburn. In April, both sisters paid off their mortgages. They Step 1 Step 1: Review Habitat's Qualifications for Applying 1. Must have a need for adequate housing: Must be living in substandard or inadequate housing that does not meet your needs, living in subsidized housing, or your current housing expenses exceeds 30% of your monthly income. We encourage you apply and let us determine if you meet this criterion. 2. Demonstrate an ability to pay an affordable mortgage payment (will not exceed 30% of your monthly income) Mortgage payments include closing costs, taxes and insurance. The ability to pay criteria is listed as a part of step 2. 3. Must be willing to partner: This is a public partnership with many responsibilities and expectations for each Habitat for Humanity homebuyer. At Habitat, we often say we give away nothing to homebuyers, but an opportunity. To be considered to build and purchase a Habitat for Humanity home, you must be willing to invest “sweat equity” hours. You earn sweat equity hours by working to help in building your home and the homes of others, attending homeownership classes, working in the Habitat ReStores or other approved activities. One applicant households must earn 200 hours of Sweat Equity and two applicants households must earn 300 hours of Sweat Equity. Please Note: You must be comfortable with friends and family knowing you are purchasing a home with Habitat. This is a public partnership that can involve news coverage, social media coverage and information about homebuyers and build sites are shared on our website. Tip: Don't put off applying! Many Habitat homeowners said they took months, or even years, to finally apply to build and buy a home with Habitat for Humanity. If you are concerned, or unsure if you qualify, please do not assume you are not qualified. Even if you apply, and your application is denied, you will be provided with the reason(s) for the denial so you can possibly reapply in the future. You will never know if you are eligible unless you apply. Family Size Minimum Monthly Gross Income Maximum Monthly Gross Income 1 $2,833 $5,221 2 $2,833 $5,967 3 $2,833 $6,712 4 $2,833 $7,454 5 $3,138 $8,054 6 $3,596 $8,650 7 $4,054 $9,246 8 $4,513 $9,842 Step 2: Confirm Your Household Meets the Following Income Requirements Step 3 Step 3: Confirm you meet credit requirements 1. No bankruptcy within the past three years Must be three years free from date of discharge 2. No evictions within the past 12 months 3. Must be a first-time homebuyer An individual or a family who has not owned a home during the three-year period prior to purchase of a Habitat home, some exclusions may apply 4. No felony convictions for anyone in household, over age 18, within past five years 5. No open judgements or liens 6. Debt to income ratio cannot exceed 40% of monthly income spent on an affordable mortgage (not to exceed 30% of your monthly income) and monthly debt combined. 7. No more than $2,000 in uncollected, past due, bad debt Example: If a credit card has $3,000 balance and payments are current, this is not considered a "bad" debt. However, if a credit card is in default and is in collections, that would be considered a "bad" debt. You can check your credit by visiting www.annualcreditreport.com . You are entitled to receive one free copy from each of the three credit reporting agencies one time per year by visiting this website. Please note: Married applicants can apply individually, but spouse must be listed on application as member of household, provide all income and asset information, consent to a background check and agree to sign a release of dower rights at time of home purchase. The spouse, who is not an applicant, will not have their income or debts counted when determining if the applicant meets the ability to pay criteria, but their income and assets will be considered to determine if the household income is within Habitat’s guidelines. Step 4 Step 4: Confirm You Are Interested in One of our Build Sites No available build sites at this time. Please check back on the 10th of each month. Step 5 Step 5: Fill Out An Application Please review the steps first before completing your application. We are not currently accepting applications. Please check back on the 10th day of every month to see if we have available home-build sites. Application Deadline: CLOSED The list of required documents is extensive and can be overwhelming. It's best to get started early so that you're better prepared when the time comes. A complete list of necessary documentation is included in the application. Please download the application below, print and submit to Habitat for Humanity of Greater Cincinnati (4910 Para Drive) when we are accepting applications. Print Homebuyer Application Fill out the Homebuyer Interest Form to request that one be sent to you. We cannot guarantee that your mailed application will be received in time for you to complete and return by the deadline date. If you are not able to download an application, applications can also be picked up at our office, Monday through Friday, from 10:00 AM to 4:00 PM. We do not accept online applications. Request Application via Mail Back to the Top Important Program Dates See All Events Saturday, November 1, 2025 Home Dedication 1121 & 1122 John Street 10:00 AM 1121 John St, Covington, Kentucky 41016 Details Thursday, October 30, 2025 Home Dedication 2140 Storrs 10:00 AM 2140 Storrs St. Cincinnati, OH 45204 Details Frequently Asked Questions Frequently Asked Questions How long does the process take? Building and buying a home with HFHGC is not a quick process. From approval to purchase of your home can take anywhere from six to eighteen months. However, once Habitat receives your initial application, you will be contacted by mail within 30 days and notified either: Application is complete, you meet our ability to pay and general requirements and we are ready to schedule a home interview to assess your need for housing and willingness to partner and complete the application process to determine if you are eligible. Your application is incomplete and a list of required documents will be provided. Your application has been reviewed and denied. The notice of adverse action will list the reason(s) that your application was denied. How is income calculated? Income is calculated using the total household’s gross monthly income, considering everyone over the age of 18 in the household when we determine if the total household is within the minimum and maximum range of income allowed. However only the income of the applicant(s) will be used to determine if the ability to pay requirements are met to qualify for a Habitat mortgage. Income is counted from sources such as employment wages, child support, alimony, Social Security Survival benefits, SSDI, & SSI. Unearned income for minors such as child support and SSI, etc. is typically not counted for children over age 15. Households whose monthly income is not within the income qualification range will not qualify or where the applicant (s) are not meeting income requirements, will not qualify. Is there a down payment required? No. But, homebuyers are required to pay up to $1,000.00 towards the first year’s premium for homeowner’s insurance prior to purchasing home. What is sweat equity? Sweat equity is the cornerstone of Habitat and the strategy used to empower our homebuyers that sets us apart from other affordable housing providers. Habitat is not a “hand-out,” but a “hand-up.” A home is not being built for you or given to our homebuyers. Each Habitat homebuyer builds their home side by side with volunteers and then purchases the home when complete. Nothing is given away but opportunity. Habitat uses the term “sweat equity” to refer to the hours of labor our homebuyers dedicate to building their homes, and the homes of their neighbors, as well as attending homeownership classes and Habitat events. HFHGC homebuyers begin their sweat equity after being accepted into the program, earning a minimum of 8 hours of sweat equity per month until their home begins construction. Once a home begins construction, homebuyers are required to work each Saturday side by side with the volunteers building their home. Sweat equity reduces the amount of paid labor needed for a house, which in turn helps reduce cost. Additionally, time spent building your own home can instill a sense of pride and ownership, teaching you the basic building and house-maintenance skills that are necessary for successful homeownership. Note: A single applicant will need to earn a minimum of 200 hours of sweat equity, while two applicant households will earn a minimum of 300 hours. How much is the monthly mortgage payment? Monthly mortgage payments vary but will never be more than 30% of a homebuyer’s monthly income. Monthly mortgage payments include an escrow payment for homeowners' insurance and taxes. Do you have a waiting list? No, we do not keep a waiting list. Applications are only accepted when build sites are available, please continue to check our website the 10th of each month to confirm if we are accepting applications. Can I reapply if I am denied? Absolutely! If you are denied for our program, the reason(s) for denial will be listed. This provides you with the opportunity to correct any issues and resubmit another application. We can help these applicants with strategies to improve their financial situation, refer them to other agencies that may be able to assist and encourage them to apply to the program again. Some of our homeowners were denied the first, second and even third time they applied due to outstanding collections and debts, income that was below our limits or other issues. They successfully improved their eligibility, reapplied and were accepted into the program. If you need help finding community resources, our staff can refer you to tools and resources available to help you improve your situation. Do I need to be employed? No, but you must have a steady income for at least the prior year that does meet our income guidelines. Qualifying income may include, but is not limited to child support, alimony, SSA, SSI, retirement and income from your employment. What is the U.S. Citizenship requirement? All applicants must be U.S. Citizens or Legal Permanent Residents. Copies are required of two (2) of the following documents for each applicant and co-applicant: driver’s license, Permanent Resident Card (Green Card), Social Security Card, state photo ID, passport. Can only families with children apply? No. Individuals and families qualify for a Habitat home by needing adequate, affordable housing, ability to pay their mortgage in addition to other monthly expenses and have a willingness to partner with Habitat to build their home and support the Habitat mission. Habitat for Humanity of Greater Cincinnati does not discriminate against race, color, religion, sex, familial status or national origin. Can I apply as a single applicant if I am still legally married? Married applicants can apply individually, but spouse must be listed on application as member of household, provide all income and asset information, consent to a background check and agree to sign a release of dower at time of home purchase. The spouse, who is not an applicant, will not have their income or debts counted when determining if the applicant meets the ability to pay criteria, but their income and assets will be considered to determine if the household income is within Habitat’s guidelines. Can I qualify if I have had a foreclosure? It must be three years from date of foreclosure. Can I qualify if I have had an eviction? It must be one year from the date of the completed eviction. How can I find out what is on my credit report? You are able to access a free credit report once a year from each of the three reporting agencies: Equifax, Experian, and Trans Union. To obtain a copy of your free credit report, go to the website www.annualcreditreport.com . What if my credit report shows outstanding collections, debt, bankruptcies, judgments or liens? Your credit history is a good indicator of your ability to meet your financial obligations and therefore Habitat takes credit reports into account when determining an applicant’s eligibility. We do not use credit scores in our assessment of eligibility; however, we evaluate whether you are timely in paying debts. We carefully review your credit report to see if there are collections, open judgments, or recent bankruptcies/foreclosures. Bankruptcies and/or foreclosures must have been discharged for 3 years before applying. Lastly, an applicant’s debt-to-income ratio (DTI) may not exceed 40%. We will not consider an applicant(s) who has over $2,000 in uncollected, past-due debt. We do require applicants with negative credit accounts (as long as they total under $2,000) to have payment plans in place. We are unable to partner with applicants who have open unpaid judgments or liens.

"It's a huge opportunity to have fun together, and at the end of the day when you leave, you can look back and see that something you did is concrete, it's there, and it's going to be there for a long time." -John Wright, Eastside Coalition < Return to Annual Report Spotlight: Faith in Action Eastside Coalition John Nolan from St. Barnabas Episcopal Church, John Wright from St. Paul United Methodist Church, and Roy Johnson from Good Shepherd Lutheran Church are three long-time members of the Eastside Coalition. We sat down with these men to talk about the success of their coalition and why they chose to partner with Habitat. The Eastside Coalition is made up of 11 churches of all different denominations and sizes who share a common interest in helping build Habitat homes. The group banded together in 1996 to raise funds and mobilize volunteers to build their first Habitat home. Since then, the group has built almost 90 homes and these three men have been building homes together for over a decade. John Nolan says that the way St. Barnabas helps is by sharing their "people, money, and time." Each church has its own outreach efforts which work to raise money for Habitat. They have their own ways of supporting Habitat, and they share ideas with one another. His church, for example, hosts an annual benefit concert in the summer. The money that they raise goes directly to Habitat for Humanity Greater Cincinnati. "We have a long history of being involved with Habitat, and we have a specific amount of money each year in our outreach budget that goes to Habitat so it's a very important part of our ministry," says Roy Johnson of Good Shepard Lutheran Church. He also told us about how Habitat events, activities, and volunteer opportunities are present in each of their church newsletters. "We're always promoting it, and we're very blessed that our pastors are really into Habitat." Habitat welcomes anyone of all abilities to get involved. "It's crucial to point out that most of us volunteers had no background in construction. The appeal is the ability to go out and learn how to use your hands, learn more about house-building; it's on the job training," says Wright. He shared a memory of working with an 85-year-old volunteer who helped him to move scaffolding. "Anybody can do almost anything if they want, and anybody can contribute." "One of the aspects that I think makes it work is that there are many ways people can get involved," Wright continues. There are many roles from fundraising, recruiting, and organizing to packing lunches, swinging a hammer, and painting the walls. "It gives different talents an opportunity to help." Eastside Coalition Over the Years Each of the Eastside Coalition churches believes in sharing God's love with people outside their own doors. Working with Habitat for Humanity Greater Cincinnati allows them to put their faith into action and see change within their own community. "It's a rewarding thing… you spread goodwill and our folks feel [that] they're getting involved with the community, literally," says Nolan. "It's local," starts Wright. "We do some things that are national or international, but this is local, and it gives us the sense that we're doing something here." He talks about the importance of hands-on work, to do something in your own backyard. "It's doing something that is lasting, and you can see the benefit." Wright, Nolan, and Johnson all agree that they enjoy being able to see the direct impact in their community. "It's a huge opportunity to have fun together, and at the end of the day when you leave, you can look back and see that something you did is concrete, it's there, and it's going to be there for a long time," says Wright. Plus, they explain that volunteering is fun and has allowed them to bond with others. "It's a community," says Johnson. Working with Habitat allows the churches and coalitions to connect and strengthen their own sense of community. "You get to meet some of the church members that you otherwise might not have," says Wright. Because there are so many ways to get involved with Habitat, volunteer opportunities appeal to people from all different backgrounds." "You get to talk while you're working, and you get to know them better," says Nolan. "Comradery is a big part of it. We get to tease each other, trade bad jokes. We learn from each other's mistakes or learn from someone who knows more than you. You can take some of those skills home." Nolan says he's now better at home improvement projects because of his time spent on Habitat build sites. When asked about their favorite memories with the Eastside Coalition and Habitat, Nolan responds, "we could talk about this for hours!" But a few key memories came to mind, like signing the lumber for a new home with well wishes and blessings, listening to a homeowner speak at a dedication ceremony, and working alongside the homebuyers to build their homes. One of Johnson's favorite memories is when a family from his own church was able to purchase a Habitat home. After immigrating from Africa and moving to Cincinnati, this family started going to church at Good Shepherd Lutheran and through the church found out about Habitat's homeownership program. Johnson enjoyed working alongside them to build their home and said it was rewarding watching a good family put down roots in their community. "The stability that a house brings a family can't really be overstated," says Nolan. "So the fact that Habitat is addressing that is encouraging." Even though it takes months to build a house and there's such a need, you get to help a family. "You have to start somewhere." "It's so important that [churches] get to know the Habitat story and that you can make a difference," says Johnson. "It's a collective enterprise to address a real need. It's self-satisfying," says Nolan. Interested churches can join one of the existing coalitions involved with Habitat for Humanity Greater Cincinnati. "The number one necessity is enthusiasm," says Wright. "If you show up and give it a try, you'll learn on the job. It's not hard, it's fun!" Want to join a coalition or learn more about how your faith community can partner with Habitat for Humanity of Greater Cincinnati? Contact Te'Airea Powell teairea.powell@habitatcincinnati.org

“Being able to stay stable in the house and the community I’ve known for my whole life means a lot. It’s great” < Return to Annual Report Spotlight: Repair Program George and Darla's Story George, a veteran, and his wife Darla have lived in their home for 12 years, but for George, his ties to the house go back generations. “I grew up two doors down. My grandmother lived in this house, and my aunt. I remember being here as a child. There are pictures of me as a boy in this house.” George and Darla reached out to Habitat for Humanity to help replace the gutters and downspouts of their 100-year-old family home. “I don’t have to worry about the gutters every time it rains now, or we get a windstorm because, once the first one started falling off I knew it was a just a matter of time before they all came down,” says Darla. “I’m a big worry wart and I know gutters are a very expensive thing to do.” “We can’t afford to fix things as they break unfortunately, so the repairs have definitely helped us be able to stay here in our home. We can’t afford to go out and pay rent that goes up every year. When you own your own house, you don’t have to worry about all that stuff. You don’t have to worry about getting evicted. We have six cats and a dog. In a rental, we wouldn’t be able to keep our animals,” says Darla. “Being able to stay stable in the house and the community I’ve known for my whole life means a lot. It’s great,” says George. Their stability extends beyond the couple. Darla’s daughter and their two grandchildren also live in the home. “I grew up with this house and now the grandchildren are doing the same thing. This is the only home they’ve ever had and we’ll pass it along to them too eventually,” says George “Stability means a lot. Especially as you get older,” says Darla. “We like to get out and sit on the porch and watch the birds and the squirrels. […] We really can’t go anywhere in the neighborhood without running into someone we know. A lot of people have grown up here. It’s a little bit of a family town.” As we left George and Darla’s home, George says,” she is worried about less now.” “Yes, one less thing to worry about,” says Darla. With your help, the Critical Repair Program provides much-needed stability and independence for aging homeowners in our community. donate today! more homeowner stories