SSHFH

What SSHFH does

Saginaw-Shiawassee Habitat for Humanity (SSHFH) is a 501(c)(3) nonprofit, nondenominational Christian housing ministry founded in April 1987 and headquartered at 315 W. Holland Ave., Saginaw, Michigan. The organization serves Saginaw and Shiawassee counties as one of 43 Habitat for Humanity affiliates in Michigan and one of more than 1,500 U.S. affiliates of Habitat for Humanity International. Its mission is to provide decent, affordable housing for low-income to very-low income families through a partnership housing model that combines volunteer labor, donated materials, and homebuyer sweat equity contributions.

The organization's service portfolio centers on a Homeownership Program (new construction and full renovation with mortgage financing for income-eligible first-time buyers) and a Home Repair Program providing critical repairs such as roof and furnace replacement, insulation, and ADA modifications with grant assistance up to $15,000-$20,000. Supporting programs include certified Housing Counseling and Financial Education, Home Maintenance Classes, and a Helping Neighbors Program partnering with Consumers Energy on energy efficiency upgrades. A Habitat ReStore retail location at the same Saginaw address sells donated furniture, appliances, and building materials, generating earned revenue that funds operations.

SSHFH employs approximately 13-14 staff and is led by Executive Director Abbey Stemple with a board of community leaders drawn from local banking, healthcare, education, and government. Revenue is generated through a diversified mix of monetary donations (including planned giving and securities), ReStore sales, a seven-tier Home Sponsorship Program ($1,500 to $100,000+), the national Cars for Homes vehicle donation program, tool and equipment donations, and grants. Since 1987, the organization reports it has built or renovated more than 270 homes and completed interior and exterior repairs on more than 720 houses. No proprietary technology systems are in use; operations rely on standard nonprofit and construction management practices plus a Galaxy Digital volunteer portal.

Name

SSHFH

Legal name

Saginaw-Shiawassee Habitat for Humanity

Website

https://sshfh.org

Company type

Private

Founded year

1987

Operating status

Operating

Short description

Saginaw-Shiawassee Habitat for Humanity is a Saginaw, Michigan-based 501(c)(3) nonprofit Habitat for Humanity affiliate serving Saginaw and Shiawassee counties. It provides affordable homeownership, critical home repairs, financial counseling, and home maintenance education to low-income families, funded by donations, grants, and ReStore retail proceeds.

Ownership category

akta.pro rank

Headquarters

HQ city

Saginaw

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Supply Chain, Marketing or Sales, Infrastructure

Revenue model

1. Monetary Donations: Accepts credit cards, cash, checks, money orders, stocks, bonds, and bequests. Online donation capability via website. Memorial and honorary gifts processed. Planned and major giving program available.
2. ReStore Sales: Nonprofit home improvement retail store selling donated building materials, furniture, appliances, and household items. Proceeds fund Habitat's homebuilding and repair programs.
3. Home Sponsorship: Corporate and organizational sponsors fund specific home construction or repair projects at various contribution levels from $1,500 (day sponsor) to $100,000+ (Diamond Hammer).
4. Vehicle Donation Program: National Cars for Homes program accepts vehicle donations. Vehicles are resold or recycled, with proceeds supporting local Habitat affiliate. Tax deductible.
5. Tool and Equipment Donations: Accepts donations of construction tools and equipment. Also accepts gift cards from Home Depot or Lowe's for tool purchases.

Pricing tiers

Go-to-market motion3 records

Distribution channels4 records

Marketing channels6 records

Core offering

Saginaw-Shiawassee Habitat for Humanity (SSHFH) is a nonprofit housing ministry that builds and renovates affordable, energy-efficient homes for low-income to very-low-income families through a partnership housing model combining volunteer labor, donated materials, and homebuyer sweat equity. It also delivers critical home repair services, financial counseling, home maintenance education, energy-saving upgrades via partnership with Consumers Energy, and operates a Habitat ReStore retail and donation center, all to support affordable housing in Saginaw and Shiawassee counties, Michigan.

Product overview

SSHFH operates as a Habitat for Humanity affiliate offering a portfolio of interconnected housing-related programs and services. The core programs include the Homeownership Program (new construction and renovation of affordable homes) and Home Repair Program (critical repairs and upgrades). These are supported by complementary services including Financial Counseling and Education (credit coaching, budgeting workshops), Home Maintenance Classes (practical skill training), and the Helping Neighbors Program (energy efficiency upgrades via Consumers Energy partnership). Revenue-generating operations include the Habitat ReStore (retail donation center), vehicle donation through Cars for Homes, general monetary donations, home sponsorship tiers, and tools/equipment donations. All programs require partnership participation including sweat equity hours, housing counseling, and willingness to partner.

Differentiator

Problem solved

Functional benefit

Brands

• Habitat ReStore: Nonprofit home improvement store and donation center that sells furniture, appliances, building materials, and household items. Proceeds support the Habitat mission to build affordable homes.

Products and services

• Homeownership Program Affordable homeownership program that assists families and individuals in purchasing newly built or fully renovated, energy-efficient homes through a combination of housing counseling, home maintenance education, and sweat equity contributions. For income-eligible first-time homebuyers in Saginaw and Shiawassee counties who are U.S. citizens or permanent residents and meet published income criteria.
• Home Repair Program Critical repair services and grants for homeowners with modest or low income, including roof replacement, furnace replacement, insulation, water heater, central air, and ADA modifications. Funded through various grant programs including Spring Grant (up to $15,000) and Habitat Michigan Funding for veterans (up to $20,000). Requires a $250 participation fee plus sweat equity contribution.
• Financial Counseling and Education One-on-one financial coaching and group workshops covering credit establishment, debt reduction, budgeting, savings strategies, predatory lending awareness, and ID theft protection, provided by certified housing counselors to individuals and families seeking financial stability and homeownership readiness.
• Home Maintenance Classes Community education program covering basic home repair skills including electrical, plumbing, painting, window repair, lawn care, and home safety, with evening and daytime sessions held at the ReStore location for community members seeking to learn home maintenance skills.
• Helping Neighbors Program (Energy Saving Upgrades) Partnership with Consumers Energy providing free energy-saving assessments and upgrades including LED bulbs, programmable thermostats, water heater pipe wrap, high-efficiency showerheads, faucet aerators, and CO detectors for eligible single-family, income-eligible Consumers Energy customers.
• Habitat ReStore Nonprofit home improvement store and donation center selling discounted new and used furniture, appliances, building materials, and household items donated by the community. Proceeds support Habitat's mission to build affordable homes. Open to the general public.

Quantifiable outcome

• Over 270 decent, affordable homes built or renovated since 1987
• +1 more outcomes

Segments6 records

Ideal customer profiles5 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Five partnerships are on record, tiered core and major.

• Habitat for Humanity International (Cars for Homes)coreStrategic or Co-development Partner · 1 January 2005National vehicle donation program launched 2005 accepts vehicles for reselling or recycling. SSHFH participates in program that has accepted over 160,000 vehicles. Supports local Habitat affiliate while providing tax deduction benefit to donors.
• Consumers EnergycoreStrategic or Co-development PartnerPartnership on Helping Neighbors Program providing energy savings services to single-family, income-eligible Consumers Energy customers. Qualified customers receive FREE in-home or virtual assessment and energy-saving upgrades. SSHFH receives program support while Consumers Energy customers benefit from energy efficiency improvements.
• City of SaginawcoreStrategic or Co-development PartnerCity of Saginaw provides partial funding for Home Maintenance classes community education program. Classes held at ReStore location serve Saginaw residents.
• Local ChurchesmajorStrategic or Co-development PartnerStrong relationships with local churches encourage participation in Habitat ministry through spiritual sponsorship (prayer), building sponsorship (volunteer recruitment), and financial sponsorship.
• Local BusinessesmajorGTM or Marketing PartnerGood relationships with local businesses for home sponsorship program. Businesses sponsor home construction/repair at various contribution levels with recognition benefits including logo placement, volunteer opportunities, and event participation.

Scale indicators4 records

Recent moves6 records

Expansion highlights2 records

Broad incumbents

• Habitat for Humanity International: Parent organization of SSHFH and 1,500+ U.S. affiliates; comparable as the umbrella nonprofit governing brand, funding mechanisms (Cars for Homes, tithe), and affiliate standards that SSHFH operates under.
• Habitat for Humanity of Michigan: State-level Habitat organization that channels funding (including veteran repair grants up to $20,000) to affiliates like SSHFH; comparable as the regional support body shaping funding access and policy.

Direct peers

• Detroit Habitat for Humanity: Michigan-based Habitat affiliate delivering homeownership, repair, and ReStore programs in urban Wayne County; directly comparable nonprofit housing model, volunteer-driven construction, and ReStore retail operations.
• Greater Grand Rapids Habitat for Humanity: Michigan Habitat affiliate operating homeownership, critical repair, and ReStore programs in Kent County; comparable in mission, program mix, sponsorship tiers, and faith-based community model.
• Genesee County Habitat for Humanity: Flint-area Habitat affiliate offering homeownership, repair, and ReStore operations; similar scale, donor model, and post-industrial Michigan service area facing comparable housing-stock challenges.

Regional players

• Habitat for Humanity of Kent County: Michigan Habitat affiliate serving a comparable mid-size market with similar program breadth (ownership, repair, financial coaching); useful peer for benchmark on program economics and sponsorship revenue.
• Macomb County Habitat for Humanity: Suburban Detroit-area Habitat affiliate with similar homeownership and repair programs; comparable operational structure, ReStore model, and reliance on volunteer labor and corporate sponsorships.
• Lansing Habitat for Humanity: Mid-Michigan Habitat affiliate serving Ingham County with the same program mix (homeownership, repair, ReStore, financial counseling); useful peer for benchmarking mid-Michigan operations.
• Habitat for Humanity Bay County: Michigan Habitat affiliate of comparable scale to SSHFH operating homeownership and ReStore programs; relevant peer for small-to-mid affiliate economics in similar post-industrial markets.

Emerging players

• Inner City Christian Federation (ICCF): Grand Rapids-based faith-rooted nonprofit delivering affordable homeownership, housing counseling, and repair programs; comparable faith-based mission, family-services approach, and post-industrial Michigan service geography.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/HabitatSaginaw
• Xx.com/saginawshiawass

Revenue estimate

Valuation estimate

Number of profiles

Profiles11 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about SSHFH