HOW IT WORKS
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​To qualify for a Habitat home, you must meet the following criteria: 

  1. You must have a NEED. You must currently live and/or work in Jefferson County, TN. Your current living situation must be unsafe 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% - 80% 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 630. 

  3. You must be WILLING TO PARTNER. You must be willing to complete the required sweat equity hours (up to 200 hours) for your home 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 with Habitat associated events.

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].
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MANIS RIDGE CIRCLE 

A HABITAT FOR HUMANITY DEVELOPMENT
JEFFERSON COUNTY, TN

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