How to Apply

Applying for the Homeownership Program

Habitat does not give away homes. We are committed to giving hardworking families a hand up, not a hand out. Families are selected by the Family Selection Committee on the basis of their need, willingness to partner, willingness to build, rental history, credit score, and ability to pay the mortgage. All are welcome to apply, regardless of background, race, or religion.

Once a family is selected, they must commit to 500 hours of “sweat equity” through volunteering with Habitat. After they move into the home, they pay their mortgage at a zero percent interest rate directly to the affiliate. Those funds are then used to build new Habitat homes in the area.

Habitat homes are simple, decent, and affordable.

  • Simple: Habitat houses are modestly-sized. They are large enough for the homeowner family’s needs, but small enough to keep construction and maintenance costs to a minimum.
  • Decent: Habitat for Humanity uses quality, locally-available building materials. Habitat house designs reflect the local climate and culture.
  • Affordable: The labor of volunteers and partner families, efficient building methods, modest house sizes and no-profit loans make it affordable for low-income families to purchase Habitat houses.

Find out more on our Homeownership page

Applying for the A Brush with Kindness Program

Years of deferred maintenance can cause deterioration and unsafe living conditions. A Brush with Kindness helps preserve or restore the character of neighborhoods by helping low-income homeowners affected by age, disability, and other circumstances to improve their homes.

Find out more about A Brush with Kindness program.