Habitat for Humanity of Northern Arizona

What Habitat for Humanity of Northern Arizona does

Habitat for Humanity of Northern Arizona (HFHNA) is a 501(c)(3) nonprofit charitable organization based in Flagstaff, Arizona, and a regional affiliate of Habitat for Humanity International. Founded in 1997 and operating with approximately five employees from its headquarters at 2016 N Fourth St, Flagstaff, the organization creates affordable homeownership opportunities for low-to-moderate income families in Northern Arizona — households earning between 50% and 80% of Area Median Income — in a market where median home listing prices have reached $755,000, a 93% increase from 2019, placing conventional homeownership out of reach for many working families. Over its history, HFHNA has built more than 25 homes for local families and is now producing multiple small homes per year.

The organization's core product offering is the Starter Home Program, which delivers simple, efficient, stand-alone homes — designed by architect Karl Eberhard and engineered locally — to qualifying families through 0% interest loans, a $1,000 down payment, and monthly payments below comparable rent. Partner households contribute 200 hours of sweat equity per adult member, and recycled mortgage payments fund additional construction in a revolving loan structure. A secondary revenue and community-engagement channel is the ReStore, a nonprofit home improvement retail store selling donated furniture, appliances, and building materials, with proceeds reinvested into housing programs. The organization also runs the Homeownership Program (affordable mortgage qualification, sweat equity, savings plan) and, as of 2025, the Save the El Pueblo campaign — a workforce housing initiative to convert the historic 1936 El Pueblo Motel into 18-20 housing units.

HFHNA's business model is community-led: it generates operating capacity through a diversified mix of individual donations, corporate contributions (Wells Fargo, State Farm, Gore), foundation grants (Del E Webb, Forest Highlands, GeoFamily, Season for Sharing), ReStore retail sales, and recycled mortgage payments. Arizona-resident donors can claim up to a $938 charitable tax credit on joint filings. Go-to-market is direct community engagement — municipal referrals, community partnerships, and word-of-mouth — with prospective homeowners going through a pre-qualification process before selection. The organization maintains a deep network of Lead, Supporting, and Construction partners spanning state housing authorities (Arizona Department of Housing), the City of Flagstaff, foundation funders, construction trade contractors (WesPac, Buzzard, FrameTec, Polaris Roofing, and others), a strategic volume-build partner (Home Blitz Builders), and Coconino Community College, which hosts the two-semester Habitat for Humanity Home Construction Pathway training program.

Name

Habitat for Humanity of Northern Arizona

Legal name

Habitat for Humanity of Northern Arizona

Website

https://habitatflagstaff.org

Company type

Private

Founded year

1997

Operating status

Operating

Headcount range

1–10 employees

Short description

Habitat for Humanity of Northern Arizona is a 501(c)(3) nonprofit affiliate that builds and finances affordable starter homes in Flagstaff for low-to-moderate income families (50-80% AMI) using 0% interest loans, sweat equity, and recycled mortgage payments, supplemented by a ReStore retail channel and donor funding.

Ownership category

akta.pro rank

Product category

Affordable Housing Services

NAICS

New Housing For-Sale Builders (236117)

SIC

Retail-Home Furniture, Furnishings & Equipment Stores (5700)

akta.pro primary industry

Affordable Housing & Community Development (Housing, Community Land Trusts) (BPAGALAC)

akta.pro secondary industries

Residential Affordable Housing Development & Construction (IMAFABAI), Affordable Housing / Down Payment Assistance (DPA) Mortgage Origination (FSALAAAM)

Keywords

• Affordable housing construction
• Nonprofit homebuilding
• Home improvement resale
• Sweat equity housing
• Zero interest mortgages

Headquarters

HQ city

Flagstaff

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. ReStore Sales: ReStore operations sell new and gently used furniture, large appliances, building tools and materials at a fraction of retail price. Proceeds are invested directly into affordable housing programs building and maintaining homes for working families.
2. Donations and Grants: Donations from individuals, corporations, and foundations cover upfront costs of building Starter Homes. Generous donations and grants fund construction which then serves multiple households for decades through the revolving loan model.
3. Home Sales - Affordable Mortgages: Partner households purchase homes through affordable mortgages with 0% interest loans, $1,000 down payment, and monthly payments below comparable rent. Mortgage payments are recycled to build more Habitat homes.

Go-to-market motion1 record

Distribution channels4 records

Marketing channels5 records

Core offering

Habitat for Humanity of Northern Arizona builds and sells affordable single-family "Starter Homes" to low-to-moderate income families (50–80% of Area Median Income) in Northern Arizona through 0% interest mortgages, a $1,000 down payment, and a 200-hour per adult sweat equity requirement. The organization operates a ReStore home improvement resale store and runs the Save the El Pueblo campaign to develop workforce housing, with a revolving loan model where mortgage repayments fund continued construction.

Product overview

Habitat for Humanity of Northern Arizona operates as a nonprofit homebuilder offering three core programs: the Starter Home Program (efficient stand-alone homes with 0% interest financing and $1,000 down payment), the ReStore (a home improvement retail/donation center generating funds for housing programs), and the Homeownership Program (affordable mortgage qualification for households at 50-80% AMI with sweat equity requirements). The organization also runs the Save the El Pueblo Campaign, a workforce housing initiative to convert a historic Route 66 motel into approximately 18-20 housing units. These programs work together to create a sustainable model where ReStore proceeds and mortgage payments fund additional home construction.

Differentiator

Problem solved

Functional benefit

Brands

• ReStore: Nonprofit home improvement store and donation center selling new and gently used furniture, large appliances, building tools and materials at discounted prices to support affordable housing programs
• Starter Home Program

Products and services

• Starter Home Program A housing initiative that builds simple, efficient, stand-alone homes (designed by architect Karl Eberhard) for low-to-moderate income families (50–80% AMI) in Northern Arizona to purchase with 0% interest loans, a $1,000 down payment, and monthly payments below comparable rent. Multiple homes are produced each year, including the first 10 Starter Homes at the Timber Sky development constructed in June 2025 with Home Blitz Builders.
• ReStore Home Improvement Resale Store A nonprofit home improvement store and donation center at 2016 N Fourth St, Flagstaff, AZ (open Tuesday–Saturday, 10am–5pm) that sells new and gently used furniture, large appliances, building tools, and materials at a fraction of retail price. Proceeds fund affordable housing construction; donations are accepted at the store or via scheduled pickup.
• Homeownership Program (Affordable Mortgage) An affordable mortgage program for households earning 50–80% of Area Median Income, providing qualifying families the opportunity to purchase HFHNA-built homes through 0% interest loans, a $1,000 down payment, monthly payments below comparable rent, and a 200-hour-per-adult sweat equity requirement. Mortgage payments are recycled to fund additional home construction.

Quantifiable outcome

• Over 25 homes built for local families
• +2 more outcomes

Named customers2 records

Segments2 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature1 record

Partnerships

21 partnerships are on record, tiered lead, supporting, core, construction and campaign.

• Arizona Department of Housing (ADOH)leadStrategic or Co-development PartnerLead partner providing state-level housing authority support for affordable housing initiatives in Northern Arizona. Serves as lead partner in the community building partner network.
• City of FlagstaffleadStrategic or Co-development PartnerLead municipal partner providing support for affordable housing initiatives. City partnership helps access affordable land leases or set up land trusts for development.
• WesPac ConstructionleadImplementation/ SI/ Consulting PartnerLead construction partner providing construction support and expertise for the Starter Home Program. Partnered with Habitat to build efficient, affordable homes.
• Coconino Community College (CCC)supportingStrategic or Co-development PartnerSupporting partner and education collaborator. CCC students attend the Habitat for Humanity Home Construction Pathway, a two-semester program providing home construction experience through building Starter Homes.
• Karl Eberhard ArchitectsupportingImplementation/ SI/ Consulting PartnerSupporting partner who developed the Starter Home design concept and is donating architectural services to the program. Past Habitat board president.
• Home Blitz Builders (BlitzBuild)coreStrategic or Co-development PartnerConstruction partner that built the first 10 Starter Homes at Timber Sky in June 2025. Deep partnership for high-volume affordable housing construction.
• Flagstaff Rotary ClubsupportingStrategic or Co-development PartnerSupporting community service organization partner providing volunteer support and resources for housing initiatives.
• Vintage PartnerssupportingStrategic or Co-development PartnerSupporting partner providing development and community support for affordable housing projects.
• RealtyExecutivessupportingChannel Partner/ Reseller/ DistributorSupporting real estate partner providing realty services and support for homeowner programs.
• 108 ExcavatingconstructionImplementation/ SI/ Consulting PartnerConstruction partner providing excavation services for home building projects.
• Buzzard ConstructionconstructionImplementation/ SI/ Consulting PartnerConstruction partner providing building and construction services for affordable housing projects.
• Double J's InstallationsconstructionImplementation/ SI/ Consulting PartnerConstruction partner providing installation services for home building projects.
• EMHomesconstructionImplementation/ SI/ Consulting PartnerConstruction partner providing home building services for affordable housing program.
• Flagstaff Custom Window CoveringsconstructionImplementation/ SI/ Consulting PartnerConstruction partner providing window covering installation services for completed homes.
• Flagstaff Tile and StoneconstructionImplementation/ SI/ Consulting PartnerConstruction partner providing tile and stone installation services for home projects.
• FrameTecconstructionImplementation/ SI/ Consulting PartnerConstruction partner providing framing services for home building projects.
• IntermountainconstructionImplementation/ SI/ Consulting PartnerConstruction partner providing building materials and services for home construction.
• Major League PaintingconstructionImplementation/ SI/ Consulting PartnerConstruction partner providing professional painting services for completed homes.
• Shaum ElectricconstructionImplementation/ SI/ Consulting PartnerConstruction partner providing electrical services for home building projects.
• Polaris Roofing SystemsconstructionImplementation/ SI/ Consulting PartnerConstruction partner providing roofing installation services for home projects.
• Phil Scandura (El Pueblo Workforce Housing Project)campaignStrategic or Co-development PartnerCitizen-led campaign organizer working alongside Habitat for Humanity of Northern Arizona to preserve the historic El Pueblo Motel and expand workforce housing options. HFHNA provides media, website support, and acts as fiscal agent.

Scale indicators5 records

Recent moves5 records

Expansion highlights4 records

Broad incumbents

• Mercy Housing: National nonprofit affordable housing developer and operator serving low-income families, seniors, and people experiencing homelessness. Comparable mission and target population with a broader, multi-state operating footprint.
• Habitat for Humanity International: The parent/umbrella organization and largest nonprofit homebuilder worldwide. Operates broadly across the same affordable housing mission via a global network of affiliates, providing the program model, branding, and donor pipeline that Habitat for Humanity of Northern Arizona executes locally.
• Enterprise Community Partners: National nonprofit focused on affordable housing development and community development finance, including programs targeting workforce and low-income homeownership. Comparable mission and donor/partnership-driven model.
• Trellis (formerly Local Initiatives Support Corporation Arizona): A community development nonprofit that finances and supports affordable housing and community development across the Southwest. Comparable mission of expanding affordable homeownership for low-income families using capital and partnership models.

Direct peers

• Habitat for Humanity Tucson: Regional Habitat affiliate serving Southern Arizona with the same affordable homeownership model, ReStore retail, and volunteer/sweat equity construction approach. Direct peer within the Arizona Habitat network.
• Habitat for Humanity Central Arizona: Regional Habitat affiliate serving Central Arizona with the same core model of affordable homeownership, 0% interest financing, and ReStore-supported construction. Direct peer affiliate operating under the same Habitat program framework.
• Self-Help Enterprises (Self-Help Homes): California-based nonprofit that builds affordable homes using a sweat-equity model very similar to Habitat for Humanity, serving low-income families in rural communities. Closely comparable construction methodology and target homeowner profile.
• Habitat for Humanity Phoenix: Another regional Habitat for Humanity affiliate in Arizona that builds affordable homes using the same sweat equity, 0% interest loan, and ReStore model. Direct operational peer in the same state affiliate network.

Regional players

• Flagstaff Housing Authority (City of Flagstaff Community Development): Municipal housing authority serving the same Flagstaff geography with affordable rental and housing assistance programs. Comparable focus on serving the same low-to-moderate income population, though primarily through subsidized rental rather than homeownership.

Emerging players

• Chicanos Por La Causa (CPLC) Housing: Arizona-based nonprofit community development corporation providing affordable housing, homeownership, and related services for low- to moderate-income families. Operates a comparable mission and target population in overlapping Arizona geographies.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks7 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/habitat-for-humanity-of-northern-arizona

Compliance3 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles12 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 Habitat for Humanity of Northern Arizona