To qualify to become a future Habitat Homeowner you must meet the three main requirements: 

Need for Shelter: 

• Must be a first-time homebuyer (have not owned a home in the past 3 years). 
• Living in overcrowded, substandard, temporary, or public housing; or are paying an unaffordable price for rent. 
• Unable to secure adequate housing through the private market.

Ability to Pay: 

• Sustain a savings account. 
• Have acceptable credit history 
• Earn an annual income that falls within 30% to 80% of area median income as determined annually by HUD (*in order to qualify, each Habitat GPBC home area may have a specific income requirement).

Willingness to Partner:

• Applicant must be a US Citizen or permanent resident. 
• Invest a minimum of 300 “partnership hours” (volunteer labor) per applicant. 
• Attend monthly meetings, educational homeownership classes, and budget and credit counseling sessions. 
• Willing to enter in a 30-year partnership with Habitat Greater PBC, living in areas where we are currently building.