BECOME A HOMEOWNER
Eligibility Requirements
Montgomery Habitat for Humanity partners with families who demonstrate the need for housing, ability to pay, and willingness to partner with Habitat.
1. Need for Housing
Applicants must demonstrate a genuine need for safe, decent, affordable housing. This could include living in substandard, overcrowded, or unaffordable conditions.
2. Ability to Pay
Family income must be between 30-60% of the median income for Montgomery County. Families must demonstrate the ability to make affordable mortgage payments.
3. Willingness to Partner
Partner families must complete 400 hours of "sweat equity" - working on their own home or the homes of other Habitat families, attending homeowner education classes, and participating in other Habitat activities.
How to Apply
Interested in becoming a Habitat homeowner? Fill out the form below to request more information about our application process.
Frequently Asked Questions
What is sweat equity?
Sweat equity is the investment of time and labor that partner families make in building their homes and the homes of others. This includes construction work, attending classes, and other activities that help families prepare for homeownership.
How are homes financed?
Habitat homes are sold at no profit with 0% interest mortgages. Monthly mortgage payments are kept affordable and go into a revolving fund to help build more homes.
How long does the process take?
The timeline varies, but families should expect the process from application to moving in to take 1-2 years or more, depending on various factors.