Are you ready to apply for a Habitat home? We are here to help guide you every step of the way, and if we can’t help your current situation, we will assist you in becoming ready through our financial education and coaching program.
STEP 1: COME AND MEET WITH US
We are about to embark on a partnership together so let’s take the time to meet each other, find out your goals and aspirations and what motivates you to become a homeowner. Our Homebuyer specialists are ready to devote time to welcoming you onto the road to homeownership. Watch our cool video to learn more. If you have any questions before applying or during the process, please call the Habitat office at (413) 442-3181 to speak to someone in our Homebuyer Services department. Appointments available and drop-ins welcome during regular office hours.
Step 2: SUBMIT A FULL APPLICATION
If you decide to pursue homeownership with Habitat, applications are available online, in our office, and by mail (see link below). Completed application packets should be returned to our office in person or by mail, never electronically for your security. There are supporting documents required to complete a full application (see link below) but all copies or printouts can be made at our offices. Once we review your application, we will determine whether or not your household qualifies for one of our mortgage loan products. If you do, we will help you find the right housing product and loan to fit your situation. If you aren’t ready right now, we can offer supports to plan for the future. All Habitat homebuyers go through rigorous screening including credit and background checks, employment verification, landlord references and a home visit.
Application Cover Letter (English) (PDF)
Homeownership Application (English) (PDF)
Carta de solicitud (español) (PDF)
Solicitud de propiedad de vivienda (español) (PDF)
IF YOU AREN’T ELIGIBLE AT THIS TIME
Don’t worry! We are here to help you. Our staff will help identify the obstacles in your path to becoming a Habitat homeowner, and we will work with you to resolve those issues. You do not have to do it alone, Habitat is here to help you achieve your goals. Once those obstacles are removed, you are welcome to come back and apply.
Step 3: WORK TOWARD YOUR GOALS
Habitat doesn’t offer any quick fixes. Potential homebuyers work to build credit, budget their finances, and complete sweat equity over an average of 1.5 - 2 years. Approved homebuyers utilize the skills and knowledge from first-time homeownership workshops to help build their new home and prepare for the future. At the end of the process homebuyers purchase their home through an affordable mortgage and begin to build equity on an amazing asset.
To receive more information please complete the inquiry form or call our office at (413)442-3181.