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 screening form, 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 screening 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 screening 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/)