How to Apply
Thank you for your interest in becoming a Habitat homeowner. We believe everyone should have a safe, affordable place to call home. To carry out our vision we partner with individuals and families through every step of the process, from completing an application, through construction and after the keys are handed over.
By working with us from beginning to end, Habitat partner families prepare for the various responsibilities of homeownership. This includes education in personal finances, mortgages, home maitenance and more.
Habitat’s path to homeownership is an important and in-depth process, requiring hard work, time and dedication. This helps us ensure the long-term success of Habitat homeowners.
How to qualify for a Habitat home
Habitat homeowners must be active participants in building a better home and future for themselves and their families. Every Habitat home is an investment. For us, it is one answer to a critical need, and we believe that stronger homes will create stronger communities. Applicants must meet five basic criteria:
Prospective Habitat homeowners must demonstrate a need for safe, affordable housing.
Once selected, Habitat homeowners must partner with us throughout the process. This partnership includes performing 500 hours of sweat equity, helping on the construction site to build their own home. Sweat equity can also include volunteering in our store or office.
Homeowners must also be able and willing to pay an affordable mortgage. Mortgage payments are cycled back into the community to help build additional Habitat houses.
Home partner applicants must have lived or worked in Snohomish County for at least one year.
Eligible home partners are within 30-80 percent of the area median income outlined by the Snohomish County HUD guidlines.
Additional qualification criteria and information
Please note that Habitat for Humanity sells homes to low income families. We do not give them away. We require candidate families have a dependable income stream and contribute 500 hours of volunteer time (sweat equity).
Candidate families must deposit sufficient funds to cover a portion of closing costs prior to purchasing the home. If the homeowner application is withdrawn for any reason, the deposit will be returned to the family.
Habitat for Humanity performs a criminal background inquiry and credit check for each applicant. Candidates must have a credit score of 620 or higher at the time of application. We require proof of income (e.g., three months of payroll check stubs, copies of three years of tax returns). We also ask potential homeowners to provide letters of recommendation, landlord recommendations and employer verification.
Habitat for Humanity is not an emergency housing program. The application process can last several months. We require candidate families to live or work in Snohomish County and participate in our homeowner education program. We reserve the right to withdraw the application from consideration if the family no longer qualifies for a Habitat home.
We also require a home visit to the residence of the prospective family to evaluate need. After a candidate family has been selected, it takes approximately one year for the home to be completed.