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Our Programs

Homeownership

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.

Applications will be available May 1-31, 2024.

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.

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.

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.

The Process

1. Complete an application

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2. Confirm Eligibility

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3. Submit Documentation

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4. Selection Committee

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5. Home Buyer Education and Sweat Equity

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Contact us with questions about homeownership

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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

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

 

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 Process

1. Complete a repair request

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2. Complete Application

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3. Repair Assessment

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4. Repair Project

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

Contact us to request home repair assistance

Thanks for submitting a request.  You will be contacted within a week to inform you if your request has passed the initial screening step.

Zip Code Is the home owned by a veteran still living in the home?

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.

The Process

1. Contact Family Services

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2. Guided Homeownership Process

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Contact us to participate in Habitat for Heroes.

Thanks for submitting!

Someone will respond soon.

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