Loveland Habitat for Humanity

What Loveland Habitat for Humanity does

Loveland Habitat for Humanity is a registered 501(c)(3) nonprofit (EIN 84-1066816) and local affiliate of Habitat for Humanity International, founded in 1987 and headquartered in Loveland, Colorado. The organization builds affordable homes in Loveland for low-to-moderate income families earning 40%–80% of the Area Median Income for Larimer County who cannot qualify for conventional mortgages. Its core product is a Homeownership Program that pairs a 0%-interest mortgage (with payments capped at 30% of household income) with mandatory sweat-equity volunteer hours, homeownership education, and a Shared Appreciation Agreement that preserves long-term affordability.

The organization's underlying delivery model is volunteer-driven construction, with approximately 90% of build labor contributed by volunteers (16,382 hours in 2025 through December 12 across 654 volunteers). It operates a retail thrift store, Loveland Habitat ReStore, which sells donated furniture, appliances, building materials, and home goods, diverting 500+ tons of material from landfills annually and channeling proceeds into homebuilding. The build pipeline is currently concentrated at the Grace Gardens at Derby Hill development, with a typical production cadence of 5–6 homes per year and 178+ cumulative homes completed since founding.

The business model is a multi-stream nonprofit funding architecture: monetary donations (one-time, monthly via Carpenter's Club, vehicle donations via Cars for Homes, planned giving/legacy), ReStore retail sales, affordable 0%-interest mortgage servicing, event fundraising (Builder's Ball, Women Build, Veterans Build, Faith Build, Colorado Gives Day), and corporate sponsorships. Pricing tiers include ReStore transactional discounts (e.g., 20% off for veterans, $1.25 clothing Tuesdays), Women Build participation fees ($150/person or $1,500/team of 10; early bird $100/$1,000 by April 1), and monthly affordable mortgage payments. Go-to-market is community-led, with a direct homeownership application process for Loveland residents/workers and a heavy reliance on volunteer engagement, faith-community partnerships, and corporate sponsorship development.

Name

Loveland Habitat for Humanity

Legal name

Loveland Habitat for Humanity

Website

https://lovelandhabitat.org

Company type

Private

Founded year

1987

Operating status

Operating

Headcount range

11–50 employees

Short description

Loveland Habitat for Humanity is a 501(c)(3) nonprofit founded in 1987 that builds and sells affordable 0%-interest homes to low-to-moderate income families in Loveland, Colorado, funding operations through ReStore thrift sales, donations, events, and corporate sponsorships.

Ownership category

akta.pro rank

Product category

Affordable Housing Services

NAICS

New Single-Family Housing Construction (except For-Sale Builders) (236115), New Housing For-Sale Builders (236117), Other Community Housing Services (624229)

SIC

General Bldg Contractors - Residential Bldgs (1520)

akta.pro primary industry

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

akta.pro secondary industries

Affordable Housing / Down Payment Assistance (DPA) Mortgage Origination (FSALAAAM), Down Payment Assistance (DPA) & Homebuyer Subsidy Programs (FSALAKAE)

Keywords

• Affordable homeownership
• Nonprofit homebuilding
• Thrift retail store
• Volunteer construction
• Community housing nonprofit

Headquarters

HQ city

Loveland

HQ country

United States

HQ region

North America

Offices4 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. ReStore Sales: Thrift retail store selling donated furniture, appliances, building materials, home goods, clothing, and media. All proceeds fund homebuilding operations. Estimated 500+ tons of material diverted from landfills annually.
2. Monetary Donations: Individual donations including one-time gifts, monthly giving (Carpenter's Club), car donations (Cars For Homes program), matching gifts, and corporate sponsorships. Includes planned giving and securities donations.
3. Homeowner Mortgage Payments: Affordable 0% interest mortgages paid by homebuyers. Monthly payments capped at 30% of household income at time of sale. Includes principal, insurance, HOA dues, and property taxes.
4. Event Fundraising: Revenue from event attendance, sponsorships, auctions at annual events including Builder's Ball gala and Women Build campaign.
5. Planned Giving: Bequests, retirement plan donations, estate donations, gift annuities, and legacy giving through planned giving program.

Pricing tiers

Go-to-market motion2 records

Distribution channels2 records

Marketing channels11 records

Core offering

Loveland Habitat for Humanity provides affordable homeownership to income-qualified families in Loveland, Colorado through 0%-interest mortgages on single-family homes constructed primarily with volunteer labor. The homeownership program is supported by a ReStore thrift retail operation (selling donated furniture, appliances, building materials, home goods, clothing, and media), ongoing home preservation repair services, and a portfolio of donor and event fundraising programs (monthly giving, vehicle donations, planned giving, Builder's Ball, Women Build, Veterans Build, Faith Build).

Product overview

Loveland Habitat for Humanity operates as a nonprofit affordable housing organization offering a unified homeownership program complemented by retail and fundraising initiatives. The core product is the Homeownership Program—providing no-interest mortgages, sweat equity requirements, and financial education to qualified buyers—which is funded primarily through ReStore retail operations and various fundraising events and donation programs. ReStore is a thrift outlet selling donated furniture, appliances, and building materials. Construction volunteering enables community members to build homes, while events like Builder's Ball, Women Build, and Veterans Build serve as major fundraisers and community engagement vehicles. Supporting programs include vehicle donations (Cars for Homes), monthly giving (Carpenter's Club), planned giving for legacy donors, and the Homebuyer Education Center providing free financial literacy resources.

Differentiator

Problem solved

Functional benefit

Brands

• ReStore: Thrift shop selling new and gently used furniture, appliances, building materials, home goods, clothing, and media. All sales proceeds support Habitat's homeownership programs.

Products and services

• Homeownership Program Affordable homeownership program offering no-interest mortgage loans capped at 30% of household income, ~200 hours of sweat equity per adult applicant, and mandatory financial education for income-qualified families earning 40%–80% of Larimer County AMI and living/working in Loveland for at least one year. Homes are built primarily by volunteer labor at the Grace Gardens at Derby Hill development and include major appliances.
• ReStore Thrift Retail Store Thrift retail store at 5250 N. Garfield Ave., Loveland, selling donated new and gently used furniture, appliances, building materials, home goods, clothing, and media at discounted prices (e.g., 20% everyday veterans discount, $1.25 clothing on Tuesdays, 20% off housewares on Thursdays, 20% off seniors 55+ on Fridays). All sales proceeds fund Habitat's homeownership programs and the operation diverts 500+ tons of material from landfills annually.
• Home Preservation Projects Repair and renovation services for existing Loveland Habitat homes, completing 28 home preservation projects to preserve affordability and quality for current Habitat families.
• Builder's Ball Gala Annual black-tie fundraising gala at Ellis Ranch celebrating a decade of building strength, stability, and self-reliance through affordable housing, featuring sponsorships, auctions, and community celebration. Open to individual and corporate attendees.
• Women Build Annual May volunteer and fundraising event empowering women to build affordable homes, gain construction experience, and support local families. Teams of 5–10 volunteers; participation fees of $150 per person / $1,500 per team of 10 (early-bird $100/$1,000).
• Veterans Build Special September volunteer day honoring veterans and active service members, with dedicated build day and opening ceremony, plus ReStore volunteering options.
• Faith Build Partnership program connecting faith communities in Loveland with Habitat for Humanity to fund and build affordable homes through ecumenical Christian volunteer labor and donations.
• Carpenter's Club Monthly Giving Monthly recurring donation program that enables automatic gifts supporting Loveland Habitat's year-round construction efforts. Subscribers receive quarterly newsletters, event invitations, and donation statements.
• Cars for Homes Vehicle Donations Vehicle donation program that allows donors to contribute cars, trucks, boats, or other vehicles, with proceeds supporting affordable housing construction in Loveland.
• Planned Giving / Leave a Legacy Legacy giving program offering bequests, retirement plan designations, estate donations, and gift annuities to provide long-term donor support for Loveland Habitat's mission.
• Homebuyer Education Center Free online education portal providing courses on home buying, mortgages, Habitat programs, and home maintenance for prospective and current homeowners, with content available in English and Spanish.
• Adopt-A-Day Sponsorship opportunity enabling corporate, faith, and community groups to fund and participate in a dedicated build day at Loveland Habitat construction sites.

Quantifiable outcome

• 94% of homeowners felt their lives improved since moving into Habitat home
• +5 more outcomes

Named customers8 records

Segments1 record

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Nine partnerships are on record, tiered flagship, core and minor.

• Thrivent FinancialflagshipGTM or Marketing PartnerPresenting Sponsor for Builder's Ball 2026. Thrivent Choice program allows members to direct charitable dollars to Habitat. Long-standing community partner supporting Habitat's mission.
• Home DepotcoreGTM or Marketing PartnerConstruction material supplier and corporate sponsor for Habitat homebuilding projects.
• Lowe's Home ImprovementcoreGTM or Marketing PartnerConstruction material supplier and corporate sponsor supporting Habitat building projects.
• GallowaycoreStrategic or Co-development PartnerCornerstone sponsor for Builder's Ball 2026. Engineering and consulting firm providing strategic support.
• ABC SupplycoreGTM or Marketing PartnerConstruction partner supplying building materials for Habitat home construction projects.
• Schneider ElectriccoreGTM or Marketing PartnerConstruction partner providing electrical components and energy-efficient solutions for Habitat homes.
• Whirlpool CorporationcoreGTM or Marketing PartnerAppliance manufacturer donating ranges, refrigerators, microwaves, and dishwashers for Habitat homes.
• Domino's PizzaminorGTM or Marketing PartnerMeal sponsor providing food for volunteers during construction build days.
• Culver'sminorGTM or Marketing PartnerMeal sponsor providing refreshments for Habitat volunteers during build events.

Scale indicators20 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Denver Habitat for Humanity: Larger Colorado Habitat affiliate serving the Denver metro area. Uses the same volunteer-based construction and 0% interest mortgage model with a much larger scale of operations.
• Habitat for Humanity of Colorado: State-level Habitat affiliate that supports Loveland and other Colorado affiliates. Performs the same homebuilding, volunteer coordination, and ReStore fundraising model at a statewide scale.
• Greeley Area Habitat for Humanity: Another northern Colorado Habitat affiliate operating in Weld County. Runs the same home-ownership, ReStore, and volunteer construction model in a comparable smaller-market context.
• Fort Collins Habitat for Humanity: Adjacent northern Colorado Habitat affiliate serving Fort Collins area. Operates the same affiliate model - 0% interest mortgages, volunteer construction, ReStore thrift - in a directly neighboring market.
• NeighborWorks Northern Rockies: Regional NeighborWorks network member providing affordable housing, homebuyer education, and lending across Wyoming, Montana, and Idaho. Comparable as a community-based affordable housing and homeownership counseling nonprofit.

Broad incumbents

• Goodwill of Colorado: Larger thrift retail nonprofit operating across Colorado. Comparable through ReStore's secondhand retail model, donation pickup logistics, and mission-driven revenue generation.
• Habitat for Humanity International: Parent organization of Loveland Habitat; the global network oversees 1,000+ local affiliates and provides branding, donor infrastructure, and shared services. Comparable as the apex of the same Habitat model.
• Enterprise Community Partners: National nonprofit developer and financier of affordable housing. Comparable in mission and beneficiary segment, though operating at vastly larger scale with direct development, financing, and policy expertise.

Regional players

• Northern Colorado Home Builders Association: Regional trade association representing residential builders in northern Colorado. Comparable as a regional housing-supply stakeholder with overlapping corporate partners and construction expertise.
• Salvation Army of Larimer County: Regional nonprofit serving the same Loveland/northern Colorado geography with social services including emergency housing assistance. Comparable as a community-based safety-net organization addressing housing insecurity.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks5 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/LovelandHabitat
• LinkedInlinkedin.com/company/loveland-habitat-for-humanity
• Instagraminstagram.com/lovelandhabitat

Revenue estimate

Valuation estimate

Number of profiles

Profiles21 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 Loveland Habitat for Humanity