Our Work | SHR Habitat

Our Programs

Homeownership

Please read the Homeownership Application Update below as there have been changes to our application period for this year.

We build and renovate simple, decent, energy-efficient 2, 3, and 4-bedroom homes. These homes are then sold at no profit to our partner families, with a 30-year fixed rate mortgage which is no greater than 30% of their income at closing.

These mortgage payments are contributed back into our building program, which helps create more homeownership opportunities for deserving families in the South Hampton Roads community.

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Home Repairs

We assist low-income and disabled homeowners with much needed home repairs to make their homes warm, safe and dry. We also address repairs that are a potential health risk to the home's residents.

If you are seeking assistance for critical home repairs such as needing a new roof, assistance with your HVAC, plumbing, or electrical systems, you may qualify for one of our programs.

Please note that the Household Income must be less than $65,000

Learn More

Habitat for Heroes

We are constantly seeking low / moderately low-income veteran families interested in purchasing a low cost home with an affordable mortgage payment to families.

We accept applications for this program year round.

Learn More

Homeownership Application Update

Habitat for Humanity of South Hampton Roads' Board of Directors made the difficult decision to postpone our annual homeowner open application season which was scheduled to start on May 1st. This decision provides time to acquire land for the 2025/2026 build season. As a result, we cannot and should not select families for the upcoming year if we do not have land to build their future homes. The next homeowner application period will be announced by social media, website, newsletter, and press release. If you know anyone with good buildable land for sale, please email info@shrhabitat.org.

Our home repair program is not impacted. Therefore, South Hampton Roads low-income homeowners in need of critical home repairs can email homerepairs@shrhabitat.org to determine if they qualify for this program.

Homeownership

We select our partner families through an application process. Each applicant’s personal financial situation, income, and monthly budget is carefully reviewed and evaluated in order to determine ability to make an affordable mortgage payment every month.

The applicant must earn a steady household income to cover mortgage, insurance, taxes, and living expenses, as well as have a satisfactory credit report. All judgments must be paid in full. Families may not apply within (2) years of the discharge date on bankruptcy and within (5) years of foreclosure or deed in lieu of foreclosure.

Qualifications

Applicants must currently be living in inadequate housing. Examples of inadequate housing include unsafe structure, poor sanitation (excluding self-imposed unsanitary conditions), overcrowding, inaccessibility, and unaffordability (defined as housing payments exceeding 30% of gross income). This may also include living in an unsafe neighborhood.

Applicants must participate fully during the application process and exhibit a willingness to partner in a safe, well-maintained Habitat community. Terms of this partnership include but are not limited to the following:

Committing oneself and one’s family to 200 hours of requisite “sweat equity”
Submitting to Habitat SHR’s policy of conducting criminal background checks and inquiries through the Sex Offender Registry on all adult members—18 years of age or older—of the applicant’s household
Planning and saving for the closing costs, plus the deposit money for utilities
Informing the administrative office when financial or family matters change
Being patient and displaying a good attitude toward everyone involved in this process
Being honest and fair with all parties involved in this process

The applicant must earn a steady household income sufficient to cover the mortgage, insurance, taxes, and living expenses, as well as have a satisfactory credit report. All judgments must be paid in full within two (2) years of the discharge date on bankruptcy and within five (5) years of foreclosure or deed in lieu of foreclosure.

Applicants must disclose the income of all household members on the application. Gross yearly household income must fall between the following:

The Process

1. Complete an application

2. Confirm Eligibility

3. Submit Documentation

4. Selection Committee

5. Home Buyer Education and Sweat Equity

Contact us with questions about homeownership

Homeownership Application Update

Habitat for Humanity of South Hampton Roads' Board of Directors made the difficult decision to postpone our annual homeowner open application season which was scheduled to start on May 1st. This decision provides time to acquire land for the 2025/2026 build season. As a result, we cannot and should not select families for the upcoming year if we do not have land to build their future homes. The next homeowner application period will be announced by social media, website, newsletter, and press release. If you know anyone with good buildable land for sale, please email info@shrhabitat.org.

Our home repair program is not impacted. Therefore, South Hampton Roads low-income homeowners in need of critical home repairs can email homerepairs@shrhabitat.org to determine if they qualify for this program.

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Home Repairs

SHR Habitat Critical Home Repair uses grant funding from local cities, as well as funds from foundations and private donors to complete critical home repairs in the South Hampton Roads area. Please carefully read all qualifications for a repair project, including homeowner’s insurance, proof of income, and environmental limitations.

Please note we can not make the following repairs:

Strictly cosmetic issues, such as interior paint not tied to an approved repair, or replacing kitchen cabinets.
Repairs to decks, not a part of main entrance to home.
Landscaping to include fences, and driveways.
Major fire or water damage to home.
Mold, asbestos, and lead mitigation.
Foundation Repairs - The cost to repair foundations far exceeds our limited budget. If you have any of the following issues, you likely need foundation work and we are not likely to be able to assist you:
- Exterior Cracks.
- Interior Sheetrock Cracks.
- Doors Out of Square and Uneven Floors.
- Door Frame/Window Frame Separation from Brick.
- Rotten Wood – Pier & Beams.
- Bouncing floors – Rotten Wood.

Qualifications
Household Income Must Be Less Than $65,000

The home, for which repairs are being sought, must:

be the applicants primary residence, owned and lived in for at least the preceding 24 months.
be owned by the applicant.
be located on a permanent foundation, be it block, slab or crawlspace.
be insured by the applicant
not located in a FEMA designated flood zone
must be within the South Hampton Roads service area. The service area is comprised of:

Chesapeake
Isle of Wight
Norfolk
Portsmouth

Smithfield
Suffolk
Virginia Beach

The applicant must have demonstrated need for a repair that will return the home to “Warm, Safe, and Dry” condition.

*Household Income Must Be Less Than $65,000*

The following list provides some, but not all, examples of repairs we are able to help with:

HVAC, heat pump, furnace, boiler Heater repairs/replacement
Water heaters repairs/replacement
ADA bathroom modifications
Install wheelchair ramps
Replace roof

Repair/ replace fascia, soffit, rake board trim
Repair/replace front porch stoops
Install/replace/repair gutters
Install/repair unsafe or wood rotted windows, doors
Plumbing repairs, like leaking pipes
Electrical repairs, such as bad circuits

The applicant must be willing to:

provide all documentation to determine qualification.
commit to owning and primarily living in their residence for at least 60 months following the affiliate’s completion of repairs on the home.
sign a Habitat SHR Home Repair Agreement which indicates that should the applicant sell the home within five years, they will be responsible for reimbursing the cost of the repairs back to Habitat SHR.

The following must be true for the applicant:

The Total Household Income must be less than $65,000.
The current total annual household income of all adults over 18 living in the home should be no greater than 60% of the current Area Median Income (AMI) in South Hampton Roads.
Applicant must have evidence of income, either through a copy of bank statements, W-4, SSA-1099, or previous year's tax form for all members of the household living in the residence over the age of 18.
Applicant must not have any past due mortgage or property taxes.

The Process

1. Complete a repair request

2. Complete Application

3. Repair Assessment

4. Repair Project

We are not currently accepting requests for home repairs. As funding becomes available we will post a request form here

Habitat for Heroes

Habitat for Humanity of South Hampton Roads (Habitat SHR) is committed to providing all families with an opportunity to share in the American Dream of home ownership – especially local Veterans. Many of these families are unable to obtain conventional home financing as they cannot afford the costs associated with traditional home mortgages.

Habitat SHR addresses this need by selling low cost housing with affordable mortgage payments to low/ moderately-low income families. Through our Habitat for Heroes program, HabitatSHR is constantly seeking a qualified veteran family to work together toward the goal of home ownership.

*We accept applications for this program year round.

Qualifications

Applicants must currently be living in inadequate housing. Examples of inadequate housing include unsafe structure, poor sanitation (excluding self-imposed unsanitary conditions), overcrowding, inaccessibility, and unaffordability (defined as housing payments exceeding 30% of gross income). This may also include living in an unsafe neighborhood.

Applicants must participate fully during the application process and exhibit a willingness to partner in a safe, well-maintained Habitat community. Terms of this partnership include but are not limited to the following:

Committing oneself and one’s family to 200 hours of requisite “sweat equity”
Submitting to Habitat SHR’s policy of conducting criminal background checks and inquiries through the Sex Offender Registry on all adult members—18 years of age or older—of the applicant’s household
Planning and saving for the closing costs, plus the deposit money for utilities
Informing the administrative office when financial or family matters change
Being patient and displaying a good attitude toward everyone involved in this process
Being honest and fair with all parties involved in this process

The applicant must earn a steady household income sufficient to cover the mortgage, insurance, taxes, and living expenses, as well as have a satisfactory credit report. All judgments must be paid in full within two (2) years of the discharge date on bankruptcy and within five (5) years of foreclosure or deed in lieu of foreclosure.

Applicants must disclose the income of all household members on the application. Gross yearly household income must fall between the following:

Our Programs

Homeownership Application Update

Homeownership

Qualifications

The Process

1. Complete an application

2. Confirm Eligibility

3. Submit Documentation

4. Selection Committee

5. Home Buyer Education and Sweat Equity

Contact us with questions about homeownership

Homeownership Application Update

Home Repairs

Qualifications
Household Income Must Be Less Than $65,000

The Process

1. Complete a repair request

2. Complete Application

3. Repair Assessment

4. Repair Project

Contact us to request home repair assistance

Habitat for Heroes

Qualifications

The Process

1. Contact Family Services

2. Guided Homeownership Process

Contact us to participate in Habitat for Heroes.

Our Programs

Homeownership Application Update

Homeownership

​Qualifications

The Process

1. Complete an application

2. Confirm Eligibility

3. Submit Documentation

4. Selection Committee

5. Home Buyer Education and Sweat Equity

Contact us with questions about homeownership

Homeownership Application Update

Home Repairs

Qualifications *Household Income Must Be Less Than $65,000*

The Process

1. Complete a repair request

2. Complete Application

3. Repair Assessment

4. Repair Project

Contact us to request home repair assistance

Habitat for Heroes

​Qualifications

The Process

1. Contact Family Services

2. Guided Homeownership Process

Contact us to participate in Habitat for Heroes.

Qualifications

Qualifications
Household Income Must Be Less Than $65,000

Qualifications