How to Apply to be a Homeowner

Habitat for Humanity is a homeownership program that empowers families to build a new life for themselves through the stability and security of owning their own home. Habitat homes are not given away but are sold to families who qualify and are willing to put in hundreds of hours of sweat equity labor and to make a monthly mortgage payment. Habitat homes are affordable because Habitat does not make a profit, the homes are sold with a no-interest loan, and the homes are built mostly by volunteers.

Selected families are our partners in every sense of the word. They contribute between 300 and 500 hours of labor on their own home and on the homes of other Habitat families. Homeowners also participate in a series of classes designed to prepare them for the responsibilities of homeownership


Download the Home Ownership Brochure & Preliminary Partner Family Application:
English        Spanish   (click for PDF Brochure & Application)


 
 
Now Looking for Families for Habitat Homes in the Following Area:
Lake Worth        "Kennedy Estates II", Jupiter   (click for PDF Flyer)

 

 

For additional information regarding our Lake Worth NSP2 project, please visit Our Communities page by clicking here.

 

                                                                                                                                                      

How do you qualify???

You must currently be a resident of our service area - North & Central Palm Beach County (between the Martin County Line and Hypoluxo Rd. in Boynton Beach) for at least a year.

You must be considered a First Time homebuyer (you cannot have owned a home within the past 3 years).



You must also show:

A. Need
1. You can be considered for a Habitat home if your present housing is not adequate. Lack of adequate housing may include problems with the structure, electrical, plumbing, air conditioning/heating systems, overcrowding, or failure to meet city property maintenance standards. We also consider the number, ages, and sex of those living in the home. 

2. How much money you spend on housing is also considered. You will be required to discuss you financial situation openly and fully with a Habitat interviewer.

3. You and your family may be considered if your total yearly income falls within the following guidelines mandated by                                                         HUD (December 2011): 30% - 80% AMI
                       *PBC Average Median income is $64,100*                                    
                   # of People     Annual Gross Household Income
                            1                  $15,200 - $40,550
                            2                  $17,400 - $46,350
                            3                  $19,550 - $52,150
                            4                  $21,700 - $57,900
                            5                  $23,450 - $62,550
                            6                  $25,200 - $67,200
                            7                  $26,950 - $71,800
                            8                  $28,650 - $76,450


B. Ability
1. Since you will actually be buying your home from Habitat, you must be able to pay the monthly mortgage payment. We will help you determine if this payment will keep you from paying your other family expenses.

2. All adults in household must pass a criminal background check.


C. Willingness to Partner
1. When selected, you become a Partner Family in the Habitat for Humanity ministry.

2. You will be required to attend monthly Family Partner meetings where you will have the opportunity to learn many things that will help you as you become a homeowner.

3. You will be required to attend a certifying First Time Homebuyer Workshop and also a budget counseling session where a counselor will assist you to develop a lean but livable budget. Your budget which will in turn help you to save, shop, set financial goals and use credit wisely. Often that's all that is needed to get our finances in order. There is no cost to you for this and it will help you save for the down payment and other expenses common to owning your own home.

4. You will assist in building your home and the homes of other Habitat families (300 - 500 hours). This is called "sweat equity" and will give you an opportunity to learn the skills you will need to maintain your house.  You will also work at the ReStore or Thrift Store which will provide "community" time with other Partner Families, Habitat Volunteers and others from the area.



How to Apply?

The next application session will be:

  • Lake Worth - March 31, 2012
  • Jupiter - Summer 2012 

 

In order to be placed on the invitation list for the next applicant meeting, please fill out the Preliminary Partner Family Application and return it by fax, mail, or email to the Habitat office. *Please DO NOT SEND multiple copies*















 

 If you are interested in homeownership and have any additional questions, please contact
Bernadette Diaz, Director of Family Services at (561)253-2080 or at Familyservices@habitatpbc.org. 
 
 

Habitat for Humanity is pledged to the letter and spirit of the U.S. policy for the achievement of equal housing opportunity throughout the nation. We encourage and support an affirmative advertising and marketing program in which there are no barriers to becoming a homeowner due to race, religion, sex, handicap, familial status or national origin.

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