Habitat Homeownership

How Does Habitat Homeownership Work?

Habitat offers homeownership to hardworking families who may not otherwise be able to purchase a home of their own. Habitat homeowners purchase their home directly from Habitat through a zero-interest, zero-profit loan.

How Can I Qualify?

Applicants must meet these three basic requirements:

• Need - The family doesn't own a home and without Habitat they could not own a home.
• Ability to pay - All of our families must be within Habitat income guidelines and have had a steady income for at least 6 months.
• Willing to partner - The family must complete 350-400 hours of sweat equity building and volunteering in the community.

Applicants must also be able to meet the following requirements:

• Live/work in Denton County for at least one year.
• Demonstrate stable income for the past six months.
• Must have a satisfactory credit rating.
• Must pass a criminal background check.
• A family's debt cannot be more than 40% of the family's income.
• Have no unpaid judgments nor have wages garnished for bankruptcy. Collections must be less than $1000.
• Be willing to perform 350-400 hours of sweat equity, partnering with Habitat to help build your home and other Habitat homes.
• Family must currently live in substandard housing or be classified as homeless.

Where Do I Begin?

To be considered for homeownership, you must complete the Pre-Qualification Checklist and drop it in the mail slot at the Habitat for Humanity office at 1721 North Carroll Blvd., Denton, TX. Unfortunately,the application process is not open at this time. Please keep checking back for further updates.