Chris Bruce said that families still have the option to go with the mortgage model, and they also have the option to leave the program if they wish. Habitat offices at the community level act in partnership with and on behalf of Habitat for Humanity International. In the United States, these local offices are called habitat subsidiaries; Outside the United States, habitat operations are managed by national offices. Each branch and national office is an independently managed non-profit organization. Subsidiaries and national offices coordinate all aspects of home building in their area, including fundraising, site selection, selection and assistance of partner families, home construction and mortgage service. If you do not wish to qualify for a loan change under this program or if you do not wish to stay at home, we will work with you to explore other available options such as The Act instead of Enforcement. A deed in Instead of seizure, often referred to as “Deed in Lieu”, is a solution to help borrowers avoid a seizure. If you can`t afford to pay your mortgages due to difficulties, you can voluntarily transfer ownership of your property to your lender to meet the full amount of your first and second Habitat for Humanity mortgage. We want to make changing your mortgage as easy as possible. However, you must take the first step by contacting us at 360.715.9170. The length of the mortgage process varies.