Home Ownership

Equal Housing Opportunity
If you are interested in learning more about this exciting program please review the qualifications below. Once you have read through the information and you feel that you meet all the criteria to become a Habitat Homeowner use the form at the bottom of this page to add your name to the Inquiry List.

Once you submit your contact information, a representative will call you at a later date to invite you to an orientation. Please be patient as there are many people on the inquiry list and orientations are held every 4 months.

PLEASE NOTE: GAHH builds approximately 4-6 houses per year, and only two homes at a time which means the list moves slow. Many people do not qualify due to credit and income issues – make sure you are competitive by following the instructions below.

To Qualify for a Habitat Home you must:

  • Be low-income – view the HUD Income Requirement Range
  • Be a first time home buyer
  • Meet the credit guidelines by paying off all collections, judgments, and repossessions appearing on a credit report
  • Have stable income and rental history
  • Consent to a background, sex offender and credit check

Home Ownership Interest Form

Please be sure you meet all criteria before you submit your information using the form below. Everyone is encouraged to add their name for consideration.

After submitting your information, someone will contact you. Please be patient as this list moves slowly. Calls are made in the order the requests are received and based on houses available. Thank you for your interest in our program.

Step 1 of 6

  • #1 Debt to Income

    Make sure you are not OVER extended on your debt. Your monthly debt divided by your monthly income should not exceed 31%. Credit is the number one reason why applicants do not qualify. We do not look at credit scores, but we need to know you will be a successful homeowner and the mortgage payment will be a priority.