Homeownership

Applying for a Home

Homeownership applications are currently being accepted.

To carry out our vision, we partner with individuals and families from application through construction to when the keys are handed over.

By working with us from beginning to end, we can help prospective homeowners  prepare for the various responsibilities of home ownership, including learning about personal finances, mortgages, maintenance and upkeep of homes, and much more.

Habitat’s path to home ownership is an important and in-depth process, requiring hard work, time and dedication. But this helps to ensure the long-term success of Habitat homeowners.  It generally takes a over a year from the time of application before a family can move into their Habitat home.

Are you eligible?

To qualify, all applicants must have lived or worked in Effingham County for at least one year and must demonstrate the criteria listed below. If you are married, you must submit the form with your spouse. We cannot accept your application if you are separated.

Ability to Pay Mortgage:

Monthly income must be between 35% and 60% of median income for Effingham County (see chart below) to meet routine expenses, maintain the house and make monthly mortgage payments.

Maximum General Income Guidelines:

       Family of 1:  $30,240    Family of 2:  $34,560

        Family of 3:  $38,880     Family of 4:  $43,200

        Family of 5:  $46,680     Family of 6:  $50,160

        Family of 7:  $53,580     Family of 8:  $57,060
(These numbers are based on a median income for a family of one through eight in Effingham County.
An applicant who qualifies for a Habitat house must make a maximum yearly income of 60% of the median income of families their size.)

You must have  been on your full time job at least 1 year (or 6 months in same line of work as your previous position) or part time job for 2 years, have less than $1,000 in delinquent debt, and if you have a credit score, it must be above 620 (if no credit score, you will need to meet non-traditional credit guidelines). A fee will be charged each applicant to obtain a credit report.

Please use these websites to determine your credit eligibility:
Credit Karma*
*This reports scores from two of the three credit bureaus. If credit is pulled
from all three credit bureaus, your score may vary.
Annual Credit Report (free once a year)**
**This will provide your credit report but not your credit score.
Check Free Score

Need for Housing (you only need to meet ONE of these criteria):

  • Living in an inadequate shelter due to problems with heating, water supply, electricity, etc.
  • Living in overcrowded conditions
  • Spending more than 40% of income on housing (rent + utilities)
  • Residing in Section 8 or Public Housing
  • Residence is not secured by an official lease agreement

Willingness to Partner:

For a successful relationship between Habitat for Humanity of Effingham County and potential homeowners, these obligations must be met by applicants:

    • Be willing to complete at least 250 hours of “sweat equity” (volunteer hours)
    • Accept a home in neighborhoods which Habitat for Humanity of Effingham County operates
    • Must make monthly mortgage payments (per agreement)
    • Participate and complete Homeownership Preparatory Training and Educational Workshops
    • Make a down payment of  2% of the purchase price of the home

           Applying to Habitat

 Click this link to download the Homeowner Application  or one may be picked up at our offices during the open application period.  Completed applications should be returned in person to our administrative offices located at 3605 GA HWY 21 S, Rincon, GA 31326. Applications are accepted by appointment only with the Executive Director.

We are pledged to the letter and spirit of U.S. policy for the achievement of equal housing opportunity throughout the nation. We affirm and support an affirmative advertising and marketing program in which there are no barriers to obtaining housing because of race, color, religion, sex, handicap, familial status, or national origin.