How to Qualify for Home Ownership

Thank you for your interest in becoming a Habitat homeowner. We believe that everyone should have a safe, affordable place to call home.

To carry out our vision, we partner with individuals and families from application through construction to when the keys are handed over. By working with us from beginning to end, we can help prospective individuals prepare for the various responsibilities of homeownership, including learning about personal finances, mortgages, maintenance and upkeep of homes, and much more.

Habitat's path to homeownership is an important and in-depth process, requiring hard work, time and dedication. But this helps to ensure the long-term success of Habitat homeowners.

How to qualify for a Habitat home

Habitat homeowners must be active participants in building a better home and future for themselves and their families. Every Habitat home is an investment. For us, it is one answer to a critical need, and we believe that stronger homes will create stronger communities.

Prospective Habitat homeowners must demonstrate a need for safe, affordable housing. Once selected, Habitat homeowners must partner with us throughout the process. This partnership includes performing sweat equity, or helping to build their own home or the homes of others in our homeownership program. Sweat equity also includes taking homeownership classes including Financial Peace University.

Homeowners must also be able and willing to pay an affordable mortgage. Mortgage payments are cycled back into the community to help build additional Habitat houses.

Can anyone apply to be a Habitat homeowner?

Yes. Habitat follows a nondiscriminatory policy of homebuyer selection. Neither race nor religion is a factor.

What is the first step to homeownership?

Enrollment currently closed. Due to COVID-19, enrollment will re-open September 1, 2020.

How to Qualify | How to Apply |
Frequently Asked Questions

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