Way to go!
You took the first step to safe, affordable housing.
This information will help you get started.
Don't forget, Sally Wells, our Family Partnership Director 
is always ready to answer your questions.

CLICK HERE to contact us with questions, comments or contact information.

---

Who qualifies?
To qualify, applicants must meet five criteria:

1. They must reside or work in SAW Habitat for Humanity’s service area for at least 6 months.
2. They must have enough income to support the monthly mortgage payment (typically between $400 and $700).
3. They must currently live in sub-standard housing conditions (examples include defective dwelling, overcrowding, rent more than 30% of income, poor living environment, etc.).
4. They must agree to “partner” with Habitat for Humanity in helping to build their house and houses built for other families.  This partnership will require each household adult (18 years or older) to contribute a minimum of 200 “sweat-equity” hours.
5. Their debt and income must be such that they can have all delinquent debt (past due debts, charge offs and unsatisfied judgments) satisfied before purchasing and moving into their home. ​​

Application Process:

• Applicants must receive a program orientation, either by attending one of our Habitat Homebuyer Orientation Meetings (Habitat HOMes) or by contacting Anthony Whitehead, our Family Partnership Director, by email (click the link above) or by phone at 540-886-1944.
• Individuals are given an application to determine initial qualification in the program.

AFTER the completed form is returned…

• Habitat for Humanity will evaluate the preliminary application and notify ineligible candidates by letter within 30 days.
• Eligible candidates are asked to come into a meeting at which time the full application will be completed with our Family Partnership team.
• Family selection committee meets to verify application, conducts an in-home visit, conducts a background check and makes recommendations using selection criteria.
• Board of Directors accepts or rejects the application.

---

The Habitat Homebuyer Program is established for community members who make enough to support a mortgage (along with normal living expenses), but who struggle to obtain conventional commercial financing. These limits are particular to each Habitat service area, and are tied to the number of people in the household applying for the program.
​For our community, this means household income must fall into the following brackets:

Household Size	1	2	3	4	5	6
Minimum Gross Monthly Income	$1,129	$1,371	$1,731	$2,091	$2,436	$2,811
Maximum Gross Monthly Income	$3,004	$3,433	$3,862	$4,287	$4,633	$4,975

---

Click here to learn about our
​Critical Home Repairs.

Click here to learn about our
​62+ Critical Home Repairs.