Anyone applying to the Homeownership Program must qualify along with our income and credit guidelines; in addition to being willing to complete program requirements, such as performing a minimum of 125 hours of sweat equity (volunteer service hours), attending monthly workshops, completing a set of pre-homeownership counseling sessions, and saving monthly for closing costs within an 8-month period.
Once you submit an online pre-screen, our Homeowner Services team will assess whether your household meets our basic program guidelines. If you qualify, you may be asked to submit a full application, which includes submitting an application fee ($35 per applicant), sharing any requested additional verification documents, and as needed, interviewing with our team. The full application will also include a review of your household finances, credit history, employment history, residency, and other qualifications.
This pre-screen form is only made available when our construction schedule has homes available. If you have applied in the past, you will need to submit a new application each time we have homes available. We will review all completed pre-screen forms and invite select qualified applicants to complete a full application on a rolling basis until we find our desired number of program participants for this recruitment cycle.
A note on program capacity:
We have a limited number of homes scheduled to be built each recruitment cycle. Due to these capacity constraints, there is a good chance you may qualify for the Homeownership Program, and still not be selected to participate during this recruitment cycle.
Do not be discouraged! We also have a list of resources that can assist you on your journey to homeownership here (https://www.habitatphiladelphia.org/philadelphia-homeowner-resources/)