We are not currently taking applications for Homeownership

Homeownership

Qualifying families are selected based on:

Factors biased on need

Need

The ability of your household to make payments

Ability to Pay

Putting in the extra effort

Willingness to Partner

An Affordable home.

Habitat works to eliminate barriers to a better, healthier, more financially stable life. With our help, Habitat homeowners achieve the strength, stability, and independence they need to build a better future for themselves and their families.

We care. We want to help.

NWV Habitat builds about 1 affordable home a year to qualified individuals and families in our community. Mortgages are affordably set at approximately 30% of the homeowner’s income at the time of loan application.  From application to owning a home takes approximately 18-24 months. Habitat is a long-term homeownership program and does not provide emergency housing. 

About Habitat for Humanity.

NWV Haequal housing logobitat for Humanity is an ecumenical housing ministry financed through private donations and volunteer labor that provides a unique opportunity for hardworking families to build and buy their own homes. The selection of families who will purchase homes from NWV Habitat for Humanity is done by the Family Selection Committee.  We are an Equal Housing opportunity organization.  We are pledged to the letter and spirit of U.S. policy for the achievement of equal housing opportunity through the nation.  We encourage and support an affirmative advertising and marketing program in which there are no barriers to obtaining housing because of race, color, religion, sex, handicap, familial status, sexual orientation, or national origin.

Steps to Homeownership:

Step 1: Determine if you Qualify

  1. Review information on website
  2. Take eligibility questionnaire
  3. If eligible submit your information to Habitat
  4. If ineligible review our Other Resources page

Step 2: Family Selection Phase

  1. Fill out a Housing Program Partnership Application when Applications open up
  2. Complete a background and credit check
  3. Applications will be reviewed by the Family Selection Committee
  4. Selection phase includes a home visit and board approval

Step 3: Program Acceptance

You will receive notification from us, either a letter of acceptance to the program or an adverse action letter.

Step 4: Partnership Program Agreement

If accepted -Sign the Partnership Program Agreement and Review the Program Requirements with NWV Habitat staff

Step 5: Sweat Equity and Education

  1. Put in sweat equity hours
  2. Sign up to take Financial Education classes through NEDCO
  3. Save through a Matched Savings Fund
  4. Complete Housing/Credit Application
  5. Have preliminary loan document review

Step 6: Purchasing your Home

Home loan application and Home dedication ceremony.