How to Become a Habitat Homeowner

Habitat for Humanity:

  • Christian-Based Ministry
  • Started in 1976 in Americus, Georgia
  • Builds simple, decent, affordable homes
  • Builds in all 50 states and many countries around the world

Habitat for Humanity Towns/Union Counties, Inc.:

  • Started in 1995
  • First home built in 1999
  • Have built a total of 19 homes between the two counties

The Program:

  • A Hand up, not a handout
  • Homeowners participate by doing sweat equity hours building their own homes
  • Homes are built at no profit
  • No interest and/or low-interest mortgages
  • Long-term financing

The Family Selection Process:

  • Attend an orientation meeting hosted by the Family Selection Committee
  • Complete and sign an application
  • Family selection takes place
  • Become part of the Affiliate’s Partner Families
  • Sweat Equity Hours
  • Attend Homeowner Training Classes
  • Move into YOUR NEW HOME

The Family Selection Committee looks at three areas:

  • Need for Housing
  • Ability to Pay
  • Willingness to Partner
  • The Family Selection Committee will conduct a home visit if the three criteria are met.

Need for a Home – You will be considered for a Habitat home if:

  • You have lived in the service area for at least one year OR worked in the service area for two years
  • Current housing has any one of these three conditions:
    • Substandard
    • Cost-Burdened
    • Overcrowded

Ability to Pay – You will be considered for a Habitat home if:

  • You have a stable, verifiable income
  • Able to make payments, including property taxes and homeowner’s insurance
  • Do not have excessive debt
  • Furnish a credit report
  • Debt-to-income ratio falls within Habitat guidelines
  • Are not able to qualify for a conventional loan
  • Able to provide a $1500 down payment

Willingness to Partner:

  • Selected families must complete 150 sweat equity hours building their home
  • Work with the Family Support Committee
  • Complete required classes in:
    • Budgeting
    • Home Maintenance
    • Other homeowner topics
  • Furnish an updated credit report prior to closing

A Habitat Home: 

  • Is not a custom home
  • Is built with all new materials
  • The number of bedrooms is based on the family size
  • No garage or carport
  • Central heat, air, and is well insulated
  • Energy efficient
  • Includes stove and refrigerator
  • Hook-up for washer and dryer

If you do not feel that you can qualify at this time, please work on your finances and apply again in the future.  If you apply and are not approved, you may (and should) re-apply.  You must attend budgeting and personal finance classes.