HOMEOWNERSHIP 2019-04-08T21:24:20+00:00

Healthy Homes: Homeownership is a crucial foundation for helping families with low incomes build strength, stability and independence. When families move out of substandard housing and into decent and affordable homes, their health, educational attainment, safety and personal wealth often improve. 

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Homeownership Is Within Reach!

Applications are now available April 1- April 30th 2019!


Requirements for the Homeownership Program:

  • Have a need for housing/shelter.
  • Must be a permanent resident of the United States for at least 2 years.
  • Have acceptable credit (No unpaid collections, liens or judgments)
  • Bankruptcy must be discharged for 2 years.
  • Have the ability to pay a monthly mortgage & have steady income/employment for 2 years.
  • Have not owned a home within the last 3 years.
  • Be eligible to open/maintain a savings account.
  • 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 1% of the sales price down payment/closing cost.
  • Be willing to perform a minimum of 300-400 hours of “sweat equity” by helping to build Habitat homes, including your own.
  • Complete a mandatory 30 Hours of Home Buyer Education Class.
  • Complete a mandatory 8 Hours Post Purchase Education Class.
  • Debt to Income ratio must be less that 40%
  • These are Regular Scheduled Builds and they will begin in 2020-2021  
  • You must meet the Income Guidelines per your family size

(2018 Income Guidelines are subject to change at anytime in 2019)

$15,750.00 – $41,950.00 (1 member household)

$18,000.00 – $47,950.00 (2 member household)

$20,780.00 – $53,950.00 (3 member household)

$25,100.00 – $59,900.00 (4 member household)

$29,420.00 – $64,700.00 (5 member household)

$33,740.00 – $69,500.00 (6 member household)

$38,060.00 – $74,300.00 (7 member household)

 $42,380.00 – $79,100.00 (8 member household)


Special Build Project!

The Special Build Project will build 1-2 homes beginning in the Fall of 2019. 

The homes will be built, sold and ready to move in by December 2019. 

The families/person will be selected for these builds by using a score sheet based on need for housing.

If accepted, the Future Homeowner will be expedited through the Homebuyer Education Class.

Sweat Equity Hours will be adjusted to meet the expedited build schedule.

The Future Homeowner must be able to save the estimated $2000.00 closing cost /down payment in less than 6 months.

All other program criteria and requirements must be met.

If you qualify but are NOT selected for either of the Special Build Project homes, your application will be automatically placed for review for the Regular Scheduled Builds, the Regular Scheduled Builds will begin 2020-2021  

Please view the lots before applying, there are no other lots available for the Special Build.

Special Build Project Locations

The lots for the special build are:

511 Sevier St – Murfreesboro    

3 or 4 Bedroom, 2 Bath, One Level Home Only

619 Sevier St – Murfreesboro

3 Bedroom, 2 Bath, Two Story Home Only       


Regular Scheduled Builds

Regular Scheduled Builds will begin in 2020-2021

These builds will NOT be in the same area as the Special Build Project

All requirements must be met 


How to Apply

To apply for the Regular Scheduled Builds in 2020-2021 or the Special Build Project in 2019:

You can pick up an application at the:

Rutherford County Area Habitat for Humanity office at:

850 Mercury Blvd Murfreesboro, TN 37130

Monday – Friday 8:00am -5:00pm


Apply Online:

To apply online – you must have the ability to print the application out and return it.

To request an application online, email the Homeowner Services Coordinator with the following information:



*Phone Number

*Email Address

*Specify which build you are applying for – Regular Scheduled Build or Special Build Project

The application will be emailed to you, for you to print out, complete and return.


How to Return Applications

All completed Applications must be received by Tuesday April 30, 2019 at 5:00pm

All completed Applications can be returned: 

*In Person at the RCHFH Office

*Mail it to: RCHFH 850 Mercury Blvd Murfreesboro TN 37130

*Fax it to: 615-890-2393

*Scan and email it to the Homeowner Services Coordinator 


Build Locations

RCHFH is currently ONLY building homes in the Murfreesboro area. The 2020 – 2021 regular scheduled builds are only in Murfreesboro, but are NOT in the same area as the Special Build Project. 

If you prefer to live in Smyrna or LaVergne, please do not apply this year, as we currently do not have a date for when we will build in those areas.  We apologize for any inconvenience. 


Request An Application Online

To request an application online:

Email the Homeowner Services Coordinator, angie@rchfh.org to request an application.


Get Ready! 

If you are not ready to apply this year, but want to be ready for next year- call the office to RSVP for the:

 Get Ready Classes

Patterson Community Center

The 1st class is Monday May 20th, 2019

5:30-6:30 pm

This class will give suggestions for improving your financial situation, credit repair, lowering debt, money management & how to become a successful homeowner. Follow the suggestions & return next year to re-apply.  Keep in mind many families apply several times before getting accepted.


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

                        We are pledged to the letter and spirit of the U.S. policy for the achievement of equal housing  opportunity throughout 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, or national origin.

Look at our Homeowners! 😀 

Congratulations to Habitat Build #159, the Custer Family!


Congratulations to Habitat Build #157, the Queary Family!

Congratulations to Habitat Build #155, the Batey Family!

Congratulations to Habitat Build #153, the Martin Family!

Congratulations to Habitat Build #151, the Greer Family!

Congratulations to Habitat Build #149, the Mayfield Family!

Our current Habitat Build #160, the McDonald Family!


Congratulations to Habitat Build #158, the Pettus Family!

Congratulations to Habitat Build #156, the Harrell Family!

Congratulations to Habitat Build #154, the Baker Family!

Congratulations to Habitat Build #152, the Taylor Family!

Congratulations to Habitat Build #150, the Smith Family!