Homebuying Program

A common misconception is that we give our houses away, but that is not the case. We believe in providing "a hand up, not a hand out". Our goal is to provide homeownership opportunities to families who would not normally qualify for a mortgage through a traditional mortgage lender. We offer a 30-to-35-year loan with NO INTEREST and mortgage payments are approximately $450 per month (including homeowner’s insurance and property taxes).   


Once accepted into the program, single applicants must complete 275 sweat equity hours while couples must complete a combined 550 hours of sweat equity. Sweat equity is labor that must be invested in your home as well as homes of other Habitat households. Approved applicants are also required to attend homeowner education workshops.


It takes an average of 9 – 12 months to complete the program from approval.
To start the pre-qualification process, complete the Pre-Mortgage Counseling Questionnaire (PMQ). The PMQ helps us to pre-approve you by capturing your income information, household size, and debt-to-income ratio, but is not the official application.


Submitting the PMQ does not guarantee approval.

What is Sweat Equity?

Sweat equity is work completed by the partner family by building their home as well as the homes of their neighbors. We have found that homeowners develop a strong sense of pride upon the completion of their hours because they can draw from the time, effort, and certainly the sweat that they sacrificed for their home. They also begin to develop relationships with the people who will eventually become their neighbors.


As homeowners work towards their 275 sweat equity hours, they learn useful home maintenance and repair skills. Along with working on the construction site, homeowners can also earn sweat equity hours by working in the Habitat administrative offices, the ReStore, by volunteering at our events, and can even bring lunches to the site for the volunteers as a way of earning hours. Many families go above and beyond the required hours, and will even volunteer at events long after they have moved into their homes because they want to give back to the community that gave so much to them.

Notice: The Federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, age (provided the applicant has the capacity to enter into a binding contract); because all or part of the applicant’s income derives from any public assistance program; or because the applicant has in good faith exercised any right under the Consumer Credit Protection Act. The Federal agency that administers compliance with this law concerning this creditor is the Federal Trade Commission, Washington, DC 20580.

We are not currently accepting applications.

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