Apply for a Home

 Habitat homes provide
a foundation for a better life.

How do I become a Habitat Homeowner?

Do you meet the following criteria?

Need for Shelter

  • Don’t Own a Home
  • Lack of adequate space
  • Overcrowded living conditions

A NEED FOR SHELTER

To qualify to purchase a Habitat home, you must not currently own a home.

Other examples that show a need:

  • Pay more than 30% of your monthly income for housing expenses
  • Live in an overcrowded situation,
  • Live in a home with structural, electrical and plumbing problems, no heat, etc.)

Ability to Pay

  • Employed 12+ Months
  • Meet HUD  Income Requirements
  • Paid Rent 12+ Months

Ability to Pay

In evaluating your financial situation, consider the following statements.

  1. Applicants must demonstrate stable and consistent residence (with paying rent) for a minimum of 12 months.
  2. Applicants will be asked to provide paperwork and references that will verify ability to (a) make house payments of $450-$550 per month, (b) make utility payments, and (c) budget for home maintenance and repair (inside and outside).
  3. Applicants must have stable and consistent employment for a minimum of 12 months with a maximum $40,000 annual household income.
  4. Applicants’ credit history will be evaluated to verify that (a) they have no judgments on their credit report, (b) they have no outstanding child support owed, (c) any bankruptcies and charge-offs have been resolved for 3 years, (d) any repossessions and foreclosures have been resolved for 2 years, (e) they have no apartment collections, and (f) they have no delinquent student loans.
  5. In addition, all applicants must pass OFAC and criminal background checks.

*Borrower and/or Co-Borrower, and any dependents under the age of 18 will be considered in the Family Size. Only Borrower and Co-Borrower’s income will be considered.

Willingness to Partner

  • Invest 250 “Sweat Equity” hours
  • Work alongside volunteers and sponsors

Willingness to Partner

Habitat is unique in how we build houses. We do not charge interest nor do we make a profit. We are able to cut our expenses by working with sponsors to provide money to enable us to build each house and then work with volunteers to provide the labor. Of course, our volunteers work under the supervision of our construction staff. In addition, we do not require families to make a down payment on their new home. Most mortgage companies will require a 3%-5% down payment.

The only thing a Habitat homeowner MUST pay prior to taking ownership of their home is the first year’s insurance premium and taxes. With the recent increase in taxes and insurance in the state of Texas, that pre-pay amount is averaging $1,200.

Because we go to great lengths to make homeownership affordable, one of the things we ask of our family partners (homebuyers) is that they commit to work 250 hours of sweat equity. The sweat equity allows homebuyers to work alongside sponsors, volunteers, staff and other homebuyers in the building of other homes, getting involved in the new community, as well as education classes to prepare for homeownership.

If you are interested in becoming a Habitat homeowner, we ask you to consider the following questions:

Are you willing to provide the required documentation and information in a timely manner.

Are you willing to demonstrate willingness to complete 250 hours of sweat equity.

Where We Build

Como

West side of Fort Worth
Zip Code: 76107

VIEW DETAILS
Hillside Morningside

South side of Fort Worth
Zip Code: 76104

VIEW DETAILS
Carver Heights East

East side of Fort Worth
Zip Code: 76119

VIEW DETAILS

See neighborhood boundaries. We also build in Mansfield and Weatherford.

Ready to Apply?

To begin the process, you must complete a Mortgage Counseling Questionnaire which is our preliminary application. This will help us determine if you could qualify for our program.

Have you read all of the qualification requirements and feel you meet them? If yes, select the easiest method for you to submit your questionnaire. If no, please READ HOMEOWNER REQUIREMENTS.

Questionnaire Processing Fee: $25

Have a question?

Read our Frequently Asked Questions or contact Dalia.Garcia@TrinityHabitat.org or (817) 926-9219.

A Need for Shelter

To qualify to purchase a Habitat home, you must not currently own a home.

Other examples that show a need:

  • Pay more than 30% of your monthly income for housing expenses
  • Live in an overcrowded situation,
  • Live in a home with structural, electrical and plumbing problems, no heat, etc.)

Ability to Pay

In evaluating your financial situation, consider the following statements.

  1. Applicants must demonstrate stable and consistent residence (with paying rent) for a minimum of 12 months.
  2. Applicants will be asked to provide paperwork and references that will verify ability to a) make house payments of $450 – $550 per month, b) make utility payments, c) budget for home maintenance and repair (inside and outside).
  3. Applicants must have stable and consistent employment for a minimum of 12 months with a $40,000 maximum household income.

 

*Borrower and/or Co-Borrower, and any dependents under the age of 18, will be considered in the Family Size. Only Borrower and Co-Borrower’s income will be considered.

Willingness to Partner

Habitat is unique in how we build houses. We do not charge interest nor do we make a profit. We are able to cut our expenses by working with sponsors to provide money to enable us to build each house and then work with volunteers to provide the labor. Of course, our volunteers work under the supervision of our construction staff. In addition, we do not require families to make a down payment on their new home. Most mortgage companies will require a 3%-5% down payment.

The only thing a Habitat homeowner MUST pay prior to taking ownership of their home is the first year’s insurance premium and taxes. With the recent increase in taxes and insurance in the state of Texas, that pre-pay amount is averaging $1,200.

Because we go to great lengths to make homeownership affordable, one of the things we ask of our family partners (homebuyers) is that they commit to work 250 hours of sweat equity. The sweat equity allows homebuyers to work alongside sponsors, volunteers, staff and other homebuyers in the building of other homes, getting involved in the new community, as well as education classes to prepare for homeownership.

If you are interested in becoming a Habitat homeowner, we ask you to consider the following questions:

Are you willing to provide the required documentation and information in a timely manner.

Are you willing to demonstrate willingness to complete 250 hours of sweat equity.

Print & Mail
Print & Drop-off

Apply By Mail

1. Download & Print Application
2. Get a money order for $25 made out to “Trinity Habitat for Humanity”
3. Mail completed application to:
 
 Trinity Habitat for Humanity
 {our address }
4. Receive response letter with a copy of your credit report by mail within 14 business days.

Download English Application Download Spanish Application

Drop-off Application

  1. Download & Print Application
  2. Get a money order for $25 made out to “Trinity Habitat for Humanity”
  3. Drop-off completed application to:Trinity Habitat for Humanity
    {our address }
  4. Receive response letter with a copy of your credit report by mail within 14 business days.
Download English Application Español Aplicación

Meet Habitat Families

Shelby’s ex-husband told her she would never be able to do anything without him. With the help of our sponsors and volunteers, Shelby proved him wrong and is now a homeowner! Raising her three children in her quality, affordable Habitat home, Shelby has renewed hope for the future! Full Story

More Stories    Apply for a Home

Watch Our Story

RiccoFamily

Frequently Asked Questions

What is the Mortgage Counseling Questionnaire?

This form allows Habitat to assess the prospective homeowner’s information to determine their likelihood of qualifying for the program. This is NOT an application.

How long after I complete and submit the Mortgage Counseling Questionnaire will I get a response?

Once we receive your Mortgage Counseling Questionnaire and $25 processing fee, you will be notified by mail within 14 business days and the letter will explain what your next step will be in the application process.

Do I get to choose land for my house anywhere I want it built?

After approval, homeowners will be allowed to select their lot from our available lot inventory at the time.

What size house would I qualify for?

Habitat for Humanity is not a custom home builder. We build decent, affordable homes in order to keep construction costs down. House size is based on your family size: 1 to 5 people qualify for 3 bedroom and 2 baths, 6 to 8 people qualify for 4 bedrooms and 2 baths, and 9 or more in a family qualify for 5 bedrooms and 2 baths.

Important Notice

The federal Equal Credit Opportunity Act prohibits creditors from discriminating against applicants on the basis of race, color, religion, national origin, sex, marital status, age (providing the applicant has the capacity to enter into a binding contract); because all or part of the applicant’s income derives from public assistance program; or because the applicant has in good faith exercised a right under the Consumer Credit Protection Act.
The federal agency that monitors compliance with the law concerning this creditor
is the Federal Trade Commission, Washington, DC 20580.

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