helping hand

Fort Hood Habitat For Humanity Helping Texas Homeowners

By Tanya Svoboda
April 2021

Since 1990, the Affordable Housing Program (AHP) has worked with the Federal Home Loan Bank of Dallas (FHLB Dallas) to award more than $323 million in subsidies. This money has helped more than 57,000 households bring their homes into good repair over the years.

In February 2021, Extraco Banks and FHLB Dallas awarded $200,000 to Fort Hood Area Habitat for Humanity (FHA Habitat). “We respect FHA Habitat’s focus on stability and self-reliance of homeowners in the region it serves,” said Cinthia Hernandez, mortgage operations manager at Extraco Banks. “This organization continues to make a significant and positive impact on the communities it serves.”



FHA Habitat has been helping to revitalize neighborhoods in Central Texas for 27 years. The recently awarded money will help low-income adults, disabled individuals, veterans, and rural families make critical repairs and modifications to their homes.

Who Qualifies for Assistance Through FHA Habitat’s Critical Home Repair Program?

Residents in Bell, Coryell, and Lampasas Counties in need of critical home repairs may apply for assistance if:

  • You own the home requiring repairs.
  • You currently occupy the home in need of repairs.
  • You, or a member of your household, have a need that makes the repair necessary.
  • You meet household income requirements (30% – 60% of the Area Median Income).
  • You can pay for the repairs at cost, on a sliding scale, based on income.
  • You can be present during the repair work.

To apply for this program applicants must submit a screening questionnaire and return it to the FHA Habitat office. Additionally, you must submit the following documents within 30 day of submitting the questionnaire:

  • Current driver’s license or Texas I.D.
  • Birth certificates for everyone in the household.
  • Employment documentation for all household members.
  • Most recent month’s statements for your loan or rent, utility bills, and credit payments.
  • Verification of government assistance.

Greg Hettrick, first vice president and director of Community Investment at FHLB Dallas said, “These basic but critical home repairs will go a long way toward preserving affordable housing stock in Central Texas for many years to come.”

FHA Habitat’s Critical Repair Program, and others like it, play an important role in the struggle to provide affordable housing. In Central Texas, where home prices are rising as inventory decreases, subsidies like AHP’s provide an essential form of assistance for low- to moderate-income families.


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