Apply For a Home

Anyone interested in applying for a Home or a Critical Home Repair may stop by the Administrative Office to pick up the application.
Do I qualify for a home?

To qualify for a Habitat home, you must meet the following criteria:

  1. You must have a NEED. You must currently live in Jefferson County and lived here for at least a year. You must currently not qualify for financing from a bank; and/or your current living situation is overcrowded; and/or your house or apartment has major problems that your landlord will not fix. 
  2. You must have the ABILITY TO PAY. You must show that you are able to pay for your home by proving you manage debt and finances successfully and are able to save for closing costs. You household income must fall within 50% - 70% of the county’s median household income (adjusted annually).  Automatic denials include a bankruptcy or foreclosure less than three years ago, an open judgment or a tax lien, and a credit score below 625. 
  3. You must be WILLING TO PARTNER. You must be willing to complete 400 sweat equity hours for a 2 adult family or (200 for a 1 adult family) by meeting all deadlines during the application process, attending all required events, classes, and meetings, before moving into the home. Sweat equity includes time spent helping to build your own and other homes in the program, going to classes that prepare you for homeownership, by working at the Habitat Restore, and other approved volunteering.

If you meet these criteria, we invite you to apply for a home. Please email the Executive Director for more information.