Homeownership Information
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At Harbor Habitat we believe it is a basic human right that everyone has access to safe, stable, and affordable housing. We want to help you build a better life for you and your family that will last generations.
Side by side we will help you build a new home and help you learn the skills to become a successful homeowner. Becoming a homeowner is hard work but with some help from volunteers and donors, we can build a stronger future together.
Program Qualification
1. In need of safe, affordable housing.
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You need a new home because your current residence is inadequate. Examples of inadequate living conditions include, but are not limited to:
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Inadequate/dangerous electrical problems.
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Inadequate/dangerous heating.
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Inadequate indoor plumbing.
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Overcrowding.
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Rent that is more than 40% greater than income.
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Pest problems Structural damage to your home.​​
2. Ability to pay
You have the ability to pay the costs associated with Habitat homeownership including:
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Modest down payment costs.
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Income must fall between 30%-80% of the Area Median Income. Monthly mortgage payment starting at 22% of income (including taxes and insurance).
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Responsible credit history, including only moderate current debt.
3. Willing to partner with Harbor Habitat
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You must be willing to Partner with us by performing "Sweat Equity". Sweat Equity consists of helping to build your house and other Habitat homes, as well as attending educational workshops that will help prepare you and your family for successful homeownership. Homebuyer Partners complete a minimum of 300 Sweat Equity hours; at least half of those hours must be completed on the construction work site if you are physically able to. If not, other sweat equity options will be provided.
Ready to take the next step?
Fill out the Intake Service Packet below and return it to our main office or email it to admin@harborhabitat.org.
Habitat for Humanity supports equal housing opportunity and does not discriminate on the basis of race, color, religion, sex, national origin, disability, familial status, age, marital status, sexual orientation, gender identity or lawful source of income.
Non-proselytizing policy
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Habitat for Humanity and its affiliate organizations will not proselytize. Nor will Habitat work with entities or individuals who insist on proselytizing as part of their work with Habitat. This means that Habitat will not offer assistance on the expressed or implied condition that people must adhere to or convert to a particular faith or listen and respond to messaging designed to induce conversion to a particular faith.