Application

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Thank you for your interest in becoming a homeowner with Habitat. Below, you’ll learn about Habitat’s homeownership process and family selection qualifications.

Habitat manages the homeowner selection and application process at the local level.  We follow a nondiscriminatory policy of homebuyer selection and are accountable to mortgage lending laws.

Habitat does not give away houses; instead, future homeowners partner with local affiliates and volunteers to build or rehabilitate a home and pay an affordable mortgage.

Habitat is committed to providing low- and moderate-income households the opportunity for affordable homeownership. A home is considered affordable when you pay no more than 30% of your income toward rent or mortgage.

Learn more about our homeownership process:

1. Qualifications: Check out our Habitat homeowner qualifications to learn who qualifies for a Habitat home.
2. Partnering with Habitat: This guide describes how future homeowners partner with Habitat.
3. Financial education: Homebuyers complete financial education before owning a Habitat home. These courses help prepare homeowners to successfully manage their new mortgage, personal finances and savings.
4. Step-by-step process: See our step-by-step overview of the homeownership process from application to closing.

Our vision is a world where everyone has a decent place to live. A decent and affordable home is life-changing.