How to Apply

Check back soon, we are not accepting applications at this time. 

We are excited you are here and interested in partnering with Habitat to become a homeowner. Habitat’s path to homeownership is a process that requires hard work and dedication. Habitat homebuyers complete more than 200 hours of volunteering, training, and education before they buy a home. We partner with you because we want you to experience long-term financial success. It can take twelve to 24 months to complete the Homeownership Program. The timeline might seem long, but we designed it to allow the education, volunteer hours, and time to build your home.

Where can I get an application
Applications will be available on-line and or be picked up at the Affiliate Lobby 9am – 5pm Monday – Friday. The Affiliate is located at 900 Jackson Street, Suite LL5-2E Dubuque, IA 52001.

Next Application Period

The application period is closed. Our next application period will open soon for 2023 homeownership opportunities. Sign up for our Path to Homeownership mailing list to be notified when applications become available. 

What Can I Do Now?

1. Sign up to receive notices when applications become available.

2. Review our How to Qualify page to make sure you meet the minimum requirements to partner with Habitat to buy a home.

3. Consider working with a HUD approved housing counselor to begin preparing and planning for a successful home loan application. 

4. Check out your credit report and address judgements and excess debt. The federal government provides free access to your credit report at AnnualCreditReport.com.

5. Volunteer with us! Join us on a build site and explore what it feels like to complete your “sweat equity” hours. You will meet volunteers, see the homes we build, and learn more about the neighborhood and your community.

Frequently asked questions

We encourage you to review the Frequently Asked Questions prior to completing your application.

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