HOW IT WORKS
​

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 have 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. Your household income must fall within 50% - 70% of the county’s median household income (adjusted annually).  Reasons for automatic denial include bankruptcy or foreclosure within the past three years, 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. Click here for the Homeowner Application. Please fill the application out and hand deliver it to our office at 490 N Highway 92 Jefferson City, TN 37760. DO NOT email the completed application as it contains personal identifiable information. If you have any questions about the application please email [email protected].
​

MANIS RIDGE CIRCLE 

A HABITAT FOR HUMANITY DEVELOPMENT
JEFFERSON COUNTY, TN

VIEW FINAL MODEL
FINAL MODEL
File Size: 820 kb
File Type: pdf
Download File