Homeownership

Applying for a Home

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.

To qualify for a Habitat home, you MUST:

  1. Have lived or worked in Effingham County for twelve months prior to application.
  2. Have a housing need such as a leaky roof, rotting wood, high utility costs, overcrowding, unsafe/inadequate conditions, OR have a rent payment that is too high for your income. A home visit by members of the Habitat for Humanity Family Selection Committee is required.
  3. Be willing to become a Habitat Partner by agreeing to perform 250-500 hours of sweat equity by working on your house and other Habitat projects; attending home-buyer education classes and homeowner meetings; and committing to maintain your new home, and neighborhood.
  4. Have sufficient, reliable, and verifiable income to pay the mortgage payment and initial down payment, and an acceptable credit history. A minimum credit score of 640 is required. A fee will be charged each applicant to obtain a current credit report.   Income limits vary by family size.  For example, the maximum income for a family of four is $43,200

               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.)

Applying to Habitat

Our application period is currently closed until October, 2020.  A Homeowner Application can be downloaded or one may be picked up at our offices during the open application period.  Completed applications should be returned in person to the Executive Director at our administrative offices located at 3605 GA HWY 21 S, Rincon, GA 31326.

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.