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Homeownership

qualifications

Need for Housing
  • You are a first-time home-buyer or have not owned a home in the past 3 years.
  • You and all members of your household are U.S. citizens or legal residents of the United States.
  • Your present housing situation is overcrowded, unsafe inside and/or outside, in substandard conditions or lacks inoperable plumbing and heating.
  • Your family lives in subsidized housing.
  • You are unable to secure adequate housing through the private market.
  • Your residence is not accessible to all household members.
  • Your family is currently living with friends or relatives.
Willingness to Partner
  • You will contribute “sweat equity hours” and attend all required classes.
  • You will live where Habitat is building.
  • You understand that you may be offered a building lot OR a renovated house.
  • You plan to stay in the house and become a part of the neighborhood and understand that there are certain resale restrictions.
Ability to Pay
  • Your total household income falls between 30%-60% of HUD Area Median Income.
  • You and/or your co-applicant have a stable combined income of at least $1400 monthly.
  • You have paid rent on time for at least the past 12 months.
  • You have not had a foreclosure or bankruptcy discharged in the past 2 years.
  • You will clear any old debts (judgments, liens and collections) and maintain a low debt level.

The family is committed to maintaining a savings account for emergencies.
Note: Habitat staff can help you make a plan to play off old debts and offers one-to-one or group money management classes.

getting started

Applications may be started at any time.

Download an Application

Application Steps

  1. 1 Learn About Us
  2. 2 Who is Considered?
  3. 3 Start the Process
  4. 4 Next Steps
  5. 5 Application Decision

Step 01

Learn About Us

Habitat is different from other housing programs.  We partner with qualified families who join us in our goal of renewing neighborhoods as well as improving their own lives.  Habitat builds and renovates houses and sells them at no profit with affordable mortgages over a 20-30 year term.  House size is determined by family make-up, with no more than two persons sharing a room.  Monthly payments, which include taxes and insurance, are based on the family’s income and the cost to build the house.

Step 02

Who is Considered?

Habitat considers the need for housing, ability to make mortgage payments and willingness to partner.  All qualified applicants will receive consideration for homeownership without regard to age, color, religion, sex, familial make up, disability, national origin or any other protected status.  Special accommodations are available upon request. Application information will be kept confidential.

Step 03

Start the Process

To learn more about the Habitat Homebuyer Program, to request an application, or to make an appointment for assistance on your application, call Family Services Director, Joyce Williams at 540-344-0747.  You will need to bring copies of all required documentation (CLICK FOR LIST).

Step 04

Next Steps

Once your application and required documentation has been received, Habitat will conduct credit, rental history, background and employment checks and make one or more home visits to establish your need for housing.  This will complete your application.

Step 05

Application Decision

The Habitat Board of Directors will approve or deny your application within 30 days of completion, based on the 3 criteria of Need, Ability to Pay and Willingness to Partner.