OUR APPLICATION WINDOW IS NOW CLOSED

Thank you for your interest in the Habitat home ownership program. If you meet the qualifications listed below, please fill in the inquiry form at the bottom of this web page. You will be notified via email by Greater Albuquerque Habitat for Humanity when we have additional information.

If you are interested in learning more about this exciting program please review the qualifications below (steps 1 through 7). Once you have read through the information and you feel that you meet all the criteria to become a Habitat Homeowner, there will be a form (step 8) to add your name to the Inquiry List.

PLEASE NOTE:
Habitat 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 steps and instructions below.

Do I Qualify?

There are many guidelines. At minimum, you must meet the following.

Be low-income

Click to view the HUD Income Requirement Range

Have stable income and rental history

Meet the credit guidelines

This includes paying off all collections, judgments, and repossessions appearing on a credit report.

Be a first time home buyer

Consent to a background, sex offender, and credit check

Be willing to partner

Applicants will need to do Sweat Equity -a minimum of 550 hours of volunteer work- on their home.

Submit an inquiry

Please carefully read the required qualifications (steps 1-7), after which you will be prompted to fill out a form (step 8). This is an inquiry only not an application. Applications will be sent out to interested participants when we are accepting applications.

Step 1 of 8

#1 Credit
You want to become familiar with your credit. When we look at your credit, it must not have any collections, medical collections, judgements or liens. If you have any derogatory credit, it must be paid off in order to qualify. You are able to pull one free credit report per year. Freecreditreport.com will provide a free Experian Credit Report.
Another free outlet is AnnualCreditReport.com. If you are able to start working on this now, then when we get to your name on the inquiry list to call you to go over the program, you will be more prepared and aligned with homeownership.
Please read this qualification before proceeding*
- I have fully read this requirement

#2 Rental History
We will want to see that you are a first time homebuyer. Additionally, we require that you have the ability to show you make a monthly rental payment every month, on time to a property management company or landlord. If you live with a friend or family member, we require 1 year cancelled checks, clearing your bank account for the most recent 12 months.
If you do not have 1 year rental history, then at this time you do not qualify.
Please read this qualification before proceeding*
- I have fully read this requirement

#3 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.
Please read this qualification before proceeding*
- I have fully read this requirement

#4 Stable Income
You must meet the HUD income requirement range for “the number of people in the household.” GAHH will discuss with you the amount of people who will qualify as part of the household. Also, applicants must be employed in the same line of work for at least 12 months. Disability, SSI, alimony and child support are all examples of income as well. Food stamps, and student financial aid will not be counted as income.
Please read this qualification before proceeding*
- I have fully read this requirement

#5 Applicants will be scored on the following: NEED, ABILITY TO REPAY THE DEBT, AND WILLINGNESS TO PARTNER.
Upon receiving back the application package, those that qualify will be presented to the family selection committee and the Board of Directors for a vote. The top scored families will be selected for the next two homes to be built.
Please read this qualification before proceeding*
- I have fully read this requirement

#6 Sweat Equity and Willingness to Partner
Applicants selected must do a minimum of 550 hours of sweat equity on their home.
Please read this qualification before proceeding*
- I have fully read this requirement

#7 Residency
To qualify to become a Habitat partner, families must have lived in the Albuquerque area for the last 12 months and be a U.S. citizen or have a permanent resident card. We do not eliminate applicants or discriminate because of race, color, religion, gender, sexual orientation, handicap, family status, ethnicity, national origin, or public assistance as a source of income.
Please read this qualification before proceeding*
- I have fully read this requirement

Name*
First Last
Phone*
Email*
Mailing Address*
Street Address Address Line 2 City State / Province / Region ZIP / Postal Code
How did you hear about our program?*

Home Ownership

Do I Qualify?

Be low-income

Have stable income and rental history

Meet the credit guidelines

Be a first time home buyer

Consent to a background, sex offender, and credit check

Be willing to partner

Submit an inquiry

Step 1 of 8

#1 Credit

#2 Rental History

#3 Debt to Income

#4 Stable Income

#5 Applicants will be scored on the following: NEED, ABILITY TO REPAY THE DEBT, AND WILLINGNESS TO PARTNER.

#6 Sweat Equity and Willingness to Partner

#7 Residency

Additional resources for becoming a homeowner