The application process takes four to five months. Once you are selected as a Partner Family, your home may take up to 18 months to complete.

Application call: If you believe you may qualify for a Habitat home, please call the office to determine if you are eligible to apply to our program. A staff member will complete the  qualification checklist with you. If you are deemed eligible to apply, you will be asked to pick up an application at our office.

Financial Review: After your application has been completed and returned promptly, your financial information will be verified, a credit report will be obtained, a budget will be developed, and your ability to pay a mortgage will be assessed.

Home Visit: Family Selection Committee members will visit your home and meet your family, ask further questions and discuss partnering with Habitat.

Selection: The Family Selection Committee reviews applications and selects applicants who qualify for a Habitat home. The Habitat Board will decide which families will become Habitat Partners.

Letter of Agreement: A letter of agreement between you and Habitat will be signed before you begin sweat equity.

Advocate: You will be assigned an advocate who will help you through the home buying process.

Construction: During the time before your home is started you will work on sweat equity hours every month. You must also save toward your downpayment of 1% of the cost of the home.

Move In: When sweat equity hours, your downpayment and the house are all completed, a mortgage will be signed between you and Habitat. Prior to moving in, a dedication will be held at your house to celebrate your accomplishment of homeownership. At this event you will be presented with a ceremonial hammer and bible.