How to Apply

The Habitat homeownership program looks for three things when determining if an applicant is eligible to participate: need, affordability and willingness to partner.
We believe these are the key ingredients to creating a successful homeowner.

Please read below to learn more about the journey to homeownership from start to finish!

1 It is required to attend a virtual info session prior to applying, to learn more about program qualifications and expectations. Specific questions will be answered by the staff at the end of each session.

2 After the homeownership info session, you will receive a link to complete an online application. You will be asked to complete the online application and submit certain documents and a $100 application fee. It is important to include all requested documents with the application, or it will be returned to you.
Once your complete application has been received, it will take up to 30 days to be processed and you will be contacted with next steps.

3 Our team will conduct a home visit as the final step in the approval process. After the home visit, we will communicate with you next steps about acceptance into our program.

4 Approvals will be asked to sign a Partnership Agreement and can begin homeownership education through Habitat University. Each partner family is required to contribute at least 200 hours of sweat equity toward the home. Sweat-equity hours include homeownership education, financial education, and volunteer hours building your house and working on other Habitat homes. Classes are held at the Habitat main office on Tuesday evenings in addition to a few Saturdays.

5 Addresses are selected. Upon selection of an address, a partner family will be asked to sign a purchase agreement and pay $2,000 for closing costs (closing costs subject to change).

6 Time to make the house a home! Upon the completion of the home, you will sign closing documents and become a Habitat homeowner! After moving in, you will be expected to pay your mortgage on time every month, as well as keep up the maintenance on your home.