Home Buyer Program

Thinking about owning your own home?

Habitat SHR builds and renovates 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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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.

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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.

Click on icons below to learn more about the process to become a home buyer, to see the qualifications, and to download the application.

Once you've downloaded the application, you can print it out, complete  and return it following the directions on the application.

Habitat SHR Partner Families 
Click here: Women Build Club Forum
To read words of support and encouragement.