How to Qualify
do you qualify?
As active participants in building a better future for themselves and their families, Habitat applicants must:
have a need for housing
Applicants accepted into the Homeownership Program struggle with housing that is inadequate. Inadequate housing is often one or more of the following: unsafe, unaffordable, unhealthy or inaccessible. Need is established based on a variety of factors, including, but not limited to: the condition of current housing, space considerations, and cost burden.
be willing to partner with us
Approved applicants must demonstrate their willingness to partner with Habitat by investing sweat equity* in their home. Each adult homeowner signs an agreement to put in a predetermined amount of sweat equity hours working with Habitat for Humanity.
have the ability to pay a long-term mortgage
Habitat homes are not given away. Approved applicants will pay an affordable long-term home mortgage. Households must demonstrate steady income and must meet income criteria. Habitat homeowners purchase their home. We secure affordable financing and create a payment plan that ensures homeowners do not spend more than 30% of their monthly income on housing costs.
* About sweat equity. There is a commonly held misconception that we build houses for families, when in fact we build homes with families. Because each adult contributes a certain number of hours, accepted applicants are with us every step of the way. They are standing walls, putting up sheathing and installing siding. Constructing their home helps members of our Homeowner Program connect to the community, learn new skills, and gain valuable knowledge about homeownership and maintenance. So, in fact, sweat equity is both an investment in the value of their home and a way to gain home maintenance knowledge.
Notice: The federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status, age; because all or part of the applicant’s income derives from any public assistance program; or because the applicant has exercised in good faith any right under the Consumer Trade Commission, Washington, D.C. 30580
We are pledged to the letter and spirit of U.S. policy for the achievement of equal housing opportunity throughout the nation. We encourage and support an affirmative advertising and marketing program in which there are no barriers to obtaining housing because of race, color, religion, sex, handicap, familial status, national origin, age, marital status, or sources of income.
everyone deserves a decent place to live