PATH TO HOMEOWNERSHIP

At this time housing applications are not available. Please check back soon.

We are pledged to the letter & spirit of U.S. policy for the achievement of equal housing opportunity throughout the nation. We encourage and support an affirmative advertising and marketing program in which there are no barriers to obtaining housing regardless of race, creed, color, national origin, sexual orientation, gender identity or expression, military status, sex, age, disability, marital status, lawful source of income or familial status.

We believe that EVERY person deserves a safe, decent and affordable place to live.

Who is eligible?

Applicants must meet our three principal criteria listed below:

the need for housing

Applicants must not already own a home and currently have a housing need such as:

  • Your rent is not affordable (a.k.a. - You're currently paying more than 30% of your income toward housing.)
  • You are living in poorly made, unhealthy or inadequate housing.
  • Living in housing that is overcrowded or inaccessible for your disabilities.
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It was a wonderful experience for me and my family to be a part of building our own home with volunteers and staff. I am proud to have worked very hard to be able to do this for my family and to be part of helping other Habitat families build their homes too.

Flora

Central Islip, NY

the ability to pay

Applicants must have:

  • Total household income within HUD income guidelines according to family size.
  • Two years history of steady income.
  • Credit without liens, judgments, foreclosures or recent bankruptcies.
  • Ability to qualify for an affordable mortgage with a licensed lending institution.
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Being homeowners has been one of the most life-changing events for our family. We have raised our kids to love our home in a way that is just so special. They forever see our home as their safe space and forever a gift from Habitat. This is our place to learn and grow and live together.

Elizabeth M.

Shirley, NY

the willingness to partner

Applicants must demonstrate the willingness to complete all 300 hours of  "Sweat Equity" and partnership requirements before being able to purchase the house once finished, including:

  • Contribute 210 hours helping to build their future home and homes for others in the program.
  • Complete financial preparation and education; First Time Home Buyer Counseling and Home Maintenance Training.
  • Pay It Forward by giving 42 hours of volunteering and community service.

does this sound familiar?

Are you paying too much for rent?

Are you tired of dealing with unreliable landlords?

Do you want to purchase your own simple, decent, affordable home?

Do you qualify for a mortgage, but not enough that meets your family's needs?

We Can Help

Frequently Asked Questions