Interested in Becoming a Habitat Homeowner?

At Habitat, we help people help themselves. Our homeowners receive financial education, attend classes that teach about maintaining a home, work alongside staff and volunteers to build their home and neighbors homes, and when its time to move in, will have an affordable mortgage payment. The process is straight forward and our dedicated staff will work alongside you in every step you take.  

We are now accepting applications for Homeownership, from June 1st through August 31st, 2024. 

In order to be considered for homeownership, your first step is to register below for our Information Session. Once registered, a link will be emailed to you to watch the session, and you will be added to our email list.

Qualifications

Habitat requires that all applicants show:

Residency

• Live and/or work in Henderson County
• Be a US Citizen or Permanent Legal US Resident

Need

• Living in overcrowded housing
• Living in substandard housing
• Living in temporary, subsidized, or public housing
• Paying more than 30% of gross income towards rent

Credit

• Delinquent Debt: No more than $1,500 in total balances
• Revolving Debt: No more than $2,500 in total balances
• Medical Collections: Collections less than 3 years old cannot exceed $2,500

Willingness to Partner

Applicants will be required to:

• Complete a minimum of 300 Sweat Equity hours per applicant.
• Meet document deadlines as requested, including but not limited to: submitting tax returns, birth certificates, bank statements, and proof of citizenship.
• Authorize credit and criminal background checks.
• Pay a non-refundable $30 application fee (check or money order only, no cash)

Frequently Asked Questions

How long is the whole process?

The application process takes roughly 3-6 months. The sweat equity requirement takes 8-12 months. It generally takes about 1 to 12 to 18 months to complete the entire process, from the time you submit the application to the house closing.

What if I am not approved?

If applicants do not meet Henderson County Habitat for Humanity’s criteria for homeownership, and are not selected into the program, they will receive a letter with a description of the reason and a list of HUD approved Financial Counselors or a referral to another qualified organization.

Is there any limit to how many times I can apply?

There is no limit to how many times an individual can apply for a Habitat home.

Is there someone I can speak to about the application process?

Absolutely. For questions or concerns regarding the application process, please call 828-694-0340 extension 115 or email Homeowner Services.