Creating a world where everyone has a decent place to live

Homeownership

Jessie, Aaron & Ricky exterior

~ Partner Families ~

Jessie Winston

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

HABITAT OFFERS A HAND UP NOT A HAND OUT

Owning a home helps a family break the cycle of poverty and build long-term security and financial independence.  Habitat homes are built based on a partnership between a family and the community.  Partnering with Habitat offers families an affordable path to ownership.  Habitat volunteers work side by side with Habitat homebuyers, known as partner families.  The partner families invest hundreds of hours of their own labor – “sweat equity” – into building their own houses and the homes of fellow partner families.

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.  By working with us from beginning to end, we can help prospective homebuyers prepare for the various responsibilities of homeownership, including learning about personal finances, mortgages, maintenance and upkeep of homes, and much more.

Habitat Homeownership Program is established for community members who make enough to support a mortgage (along with normal living expenses), but who struggle to obtain conventional commercial financing.  The homes are sold to partner families at cost.  There are no profits for Habitat or the builders.

TIMING

The Homeownership program is a long-term commitment and partnership between Habitat for Humanity and future homeowners. The application process takes an average of 5 to 6 months and the typical timeframe between approval for homeownership and purchase of a home is between 18 to 24 months.

CAN ANYONE APPLY TO BE A HABITAT HOMEOWNER?

Yes, Habitat follows a nondiscriminatory policy of homebuyer selection.

Click here to learn how to qualify.

Habitat for Humanity adheres to the Federal Equal Credit Opportunity Act, which prohibits us from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status, age.