Become a Habitat Homeowner

Habitat partners with qualified, low-income families to provide opportunities for affordable homeownership. Many families are surprised to learn they can own their own home by partnering with Habitat. It takes hard-work and determination, but the reward is life-changing.

Want to learn more about Habitat’s Affordable Housing Program?

Homeownership information Meeting

Attend one of our Virtual Homeownership Information Meetings to learn about our program. This one-hour meeting is a basic requirement of being accepted into the program and is offered in both English and Spanish. See the meeting schedule below for details, registration is required.

Contact Habitat Family Services

If you have additional questions or you need to drop-off your Housing Counseling Intake Packet outside business hours, please set up an appointment by contacting Chris Martin by phone at 239-652-1675 or e-mail at [email protected]

You can also call us at (239) 652-HOME (4663) and select option two.

Ready to submit your Housing Counseling Intake Packet?

Submit your Housing Counseling Intake Packet in-person to Chris Martin (239-652-1675) or mail to our North Fort Myers office, with attention to Family Services.

Note: We are strictly following CDC guidelines, please check-in at the front desk and follow the instructions.

HOUSING COUNSELING INTAKE PACKET

Online Homeownership Information Meetings

This one-hour, live webinar session explains the program and steps to homeownership.

Saturday, April 10 (Spanish) – 9:00 AM Inscríbase en la fecha y horario que más le convengan

Wednesday, April 14 (English) -9:00 AM: Click here to register in advance for this webinar

Thursday, April 22 (English) – 5:00 PM Click here to register in advance for this webinar

How Families are Chosen

Need

  • You do not already own a home
  • You are currently living in substandard housing which would include any of the following conditions:
    • Home is in poor physical condition
    • Home is overcrowded
    • Rent is subsidized
    • Rent is more than 30% of income
  • Your household gross income is below 80% of the area median income

Ability to Pay

  • You have proof of at least 2 years of steady, verifiable income
  • You do not have any judgments or liens against you
  • You do not have excessive debt or multiple accounts in collection
  • You pay your rent on time

Willingness to Partner

  • Contribute 300 hours of “sweat equity”
  • Attend Habitat homeowner training workshops
  • Pay $2,000 toward closing costs

Basic Requirements

1

You must have lived or worked in Lee or Hendry Counties for the past 12 months

2

You must be a US citizen or permanent resident

3

Attend a counseling session with a Housing Advisor

4

If married, you must apply with your spouse

5

You must wait 3 years after foreclosure or bankruptcy has been finalized

6

You must have two years of verifiable income and the ability to repay the mortgage

Frequently Asked Questions

HOW CAN I GET STARTED WITH THE PATH TO HOMEOWNERSHIP?

If you would like to get started, the first step would be to submit an intake packet. Once you submit your intake packet with copies of all documents requested, you will receive a call from a housing advisor to set up your first one-on-one appointment​.

With your assigned HUD-certified housing advisor, you will identify your needs, calculate your income, review your credit report, review your financial situation, determine affordability, and assess mortgage readiness.

If you would like to fill out an intake packet, you can pick one up at our office in North Fort Myers, or you can contact Chris Martin ([email protected]) to receive one through email.

HOW TO TURN IN THE HOUSING COUNSELING INTAKE PACKET

You can submit an intake packet to Chris Martin ([email protected]) during regular business days at our office.

  • Intake packet must be filled out completely and signed, along with all the forms and copies of required documentation.
  • Monday-Friday 9AM-5PM
  • If you need to drop off your intake packet outside business hours, please contact Chris to make an appointment (weekdays only)

WHEN AND WHERE ARE THE HOMEOWNER INFORMATION MEETINGS HELD?

Attend one of our Virtual Homeownership Information Meetings to learn about our Habitat Homeownership program. This one-hour meeting is offered in both English and Spanish. See the meeting schedule above for details, registration is required.

You do not need to attend this meeting in order to obtain or submit an intake packet, but it’s a great way to get information about the homeownership process and program requirements before applying.

WHERE CAN I FIND THE LIST OF HOMES AVAILABLE?

Once you fill out and complete the intake packet, you will receive a call from a housing advisor to set up your first one-on-one appointment. During this appointment, the housing advisor will inform you of the upcoming new constructions in various areas within Lee and Hendry County.

WHAT DOES THE PATH TO HOMEOWNERSHIP WITH HABITAT LOOK LIKE?

  1. The first step would be to complete an intake packet and attach copies of all the documents requested. Once you fill out and complete the intake packet, you will receive a call from a housing advisor to set up your first one-on-one appointment.
  2. Once you complete your intake packet and submit it at the office or by mail, a housing advisor will reach out you to set up a housing counseling file. With your assigned HUD-certified housing advisor, you will identify your needs, calculate your income, review your credit report, review your financial situation, determine affordability, and assess mortgage readiness.
  3. Once you discuss your homeownership readiness with your assigned advisor, the advisor will provide you with options. If you choose to continue using us as your lender, you will be guided to submit a pre-application. We have 30-days to process the pre-application. If it is a denial, you will receive a letter in the mail stating the denial reason, if you are pre-qualified you will receive a call from Housing Finance to discuss your home selection. ​
  4. Once you speak to Housing Finance, your file will be presented to Selection Committee. Selection Committee is a group of volunteers who will be reviewing your file anonymously. ​
  5. If you are selected as a future homeowner, you will attend orientation and begin your partnership requirements. ​
  6. The end goal would be to become a homeowner!

IF I AM SELECTED, HOW MANY SWEAT EQUITY HOURS AM I REQUIRED TO COMPLETE?

300 hours of sweat equity are required before closing on a home. 150 hours out of the 300 hours must be completed by the applicant(s). 150 hours out of the 300 hours can be completed by family members, and 150 hours out of the 300 hours must be completed in the construction site.

HOW LONG WILL IT TAKE BEFORE I CAN MOVE INTO A HABITAT HOME ONCE I AM SELECTED?

It may take several months before you can move into your Habitat home. You will need to satisfy all your partnership requirements while our construction team partners with you and other volunteers to build your home. There are several factors that go into your partnership schedule as well as the construction schedule.

Dedicated to Success

We are dedicated to the success of our Habitat homeowners and to that end, have compiled a list of Homeowner Resources to help them.

Using the skills they learn in the educational classes, and applying themselves diligently to making their mortgage payments every month, many of our homeowners pay off their mortgages. To celebrate their accomplishment, we host a Mortgage Burning Ceremony.

Talk to a Housing Counselor

Preparing to purchase a home can be intimidating and overwhelming. Our Housing Advisors are here to help. You can talk with one of our knowledgeable advisors about the home buying process and how to organize your finances.

For more information call (239) 652-HOME (4663)