HOMEOWNERSHIP 2017-09-01T15:09:53+00:00

Applications for the Homeownership Program is currently closed.

Thank you to the MDRT Foundation for support of our Financial Edication Program for Homeowners!

Applications will be available February 1-March 30,2018 

Requirements for the Homeownership Program:

  • Have a need for shelter.
  • Have acceptable credit (No unpaid collections, liens or judgments)
  • Bankruptcy must be discharged for 1 year
  • Have the ability to pay a monthly mortgage & have steady income for 1 year.
  • Cannot have owned a home within the last 3 years.
  • Live or work in Rutherford County for at least 6 months.
  • Be unable to qualify for a conventional loan due to income level.
  • Show willingness to partner with Habitat.
  • Be able to pay a minimum of $1500.00 down payment/closing cost.
  • Be willing to perform 300-400 hours of “sweat equity” by helping to build Habitat homes, including your own.
  • Complete a mandatory 30-Week Home Buyer Education Class.
  • Debt to Income ratio must not exceed 40% of income.

2017 Income Guidelines: 

$14,430.00 (1 family household) – $54,420.00 (8 family household)

These income guidelines are subject to change in 2018. 

Unfortunately, the Habitat Program is not emergency housing. It can take up to 18 months to complete the program, purchase & move into a home.

Look at our Future & Current Homeowners!

Our Current Habitat Build #147, the Russell Family!

Our Current Habitat Build #146, the Espy Family!

Congratulations to Habitat Build #145, the Hinton Family!

Congratulations to Habitat Build #144, the Russell Family!

Congratulations to Habitat Build #143, the Ortiz /Ruiz Family! 

Congratulations to Habitat Build #142, the Benjamin/Morkos Family! 

Congratulations to Habitat Build #141, the Hubbard Family! 

Congratulations to Habitat Build #140, the Hazelwood Family! 

Congratulations to Habitat Build #139, the Richardson Family!

Congratulations to Habitat Build #138, the Reese Family!

Congratulations to Habitat Build #137, the Martin Family!   

Congratulations to Habitat Build #136, the Hendricks Family! 

Congratulations to Habitat Build #135, the Swader Family!