Apply for a Home with Habitat for Humanity Metro Maryland
BUY A HOME WITH HABITAT
Habitat Metro Maryland works in partnership with families, volunteers, donors and communities to build homes and provide an affordable mortgage to low and moderate-income families with the dream of homeownership.
Applications are now OPEN.
Apply for a home with Habitat for Humanity Metro Maryland, available locations:
- District Heights
- Fairmount Heights
- Capitol Heights Maryland
Located in Southern Prince George’s County Maryland
For more information about our available homes, please click on the links below.
Join our notification list. Habitat for Humanity Metro Maryland staff will contact you regarding future homeownership opportunities as they become available.
Together with Habitat, through financial coaching, homebuyer training and sweat equity, your family can pursue this dream. Habitat Metro Maryland offers the opportunity for you to buy a Habitat-built home. We’ll work with you to determine what’s affordable to you and assist you in the buying process, which is outlined below.
Habitat for Humanity has also compiled a helpful list of resources for local families. Topics include employment, finances, health and safety, legal support, home maintenance, seniors and veterans, and more.
Apply Through Habitat Metro Maryland
REQUIREMENTS FOR HOMEOWNERSHIP
Please Note: You cannot access an application when applications are closed
First, families will attend an orientation session and then submit an application. Selected families will be notified to proceed further. Please read through the 5 Steps to Homeownership outlined below to learn about Habitat’s application process.
Click here to join our notification list. Although we do not have any orientation sessions scheduled at this time, your contact information will be added to our email list. Habitat for Humanity Metro Maryland staff will contact you regarding future homeownership opportunities as they become available.
5 Steps to Homeownership
1. INITIAL PROGRAM REQUIREMENTS
Requirements for Homeownership:
- You must have lived or worked within Montgomery or Prince George’s County for at least one year
- You must contribute up to 500 hours of sweat equity based upon family size
- Proof of Citizenship or Permanent US Residency
- Habitat homebuyers must have an annual household income between 30% to 60%, and in some cases up to 80% of the AMI (Area Median Income) as determined by HUD.
2. HABITAT HOMEOWNERSHIP ORIENTATION
During the Orientation Session, you’ll learn about homeownership basics and the Habitat home purchase model. If you would like to join our email list please fill out
3. APPLICATION PROCESS
Submit an application to the Habitat Metro Maryland homeownership program. Completed applications should include the following documentation:
- All sections of the application form filled in – no blank spaces
- Proof of Income (paystubs, taxi manifests, etc.): self-employed individuals including contractors, Uber/Lyft/Taxi drivers, etc. will be required to submit financial statements and or detailed daily manifest
- Bank statements
- W-2 forms most recent 2 years
- Income tax returns (State and Federal) all pages most recent 2 years
- Proof of Citizenship – copies of US Birth Certificate, Naturalization Certificate, Permanent Resident Card, Certificate of Citizenship, Green Card, US Passport
- Photo ID
- Credit Report Fee (the fee is based upon the number of applicants: $18 for one applicant OR $25 for two or more applicants)
- Minimum Credit Score of 620 or better
Applications should be submitted via US mail. Once your application is received, Habitat staff will assess your income and credit eligibility.
4. APPLICATION REVIEW
HFHMM will carefully review the application to determine whether a family fulfills the required criteria. If the application fulfills the criteria, a home visit will occur.
The home visit has three goals:
- To determine housing need
- To discuss the mortgage and loan packages as well as home specifications
- To answer questions
A final decision regarding approval or denial for purchase is not determined during the home visit. HFHMM will complete an application evaluation after the home visit in preparation for final review.
5. NOTIFICATION OF SELECTION AND DECISION
The Family Selection Committee meets monthly to review potential homebuyer information. Final approval must be given by HFHMM’s Board of Directors on whether or not a family can purchase a home from HFHMM.
Inevitably, there will be more qualified homebuyers than homes available so not all qualified families will be able to purchase. Please do not let a denial from HFHMM end your search to purchase a simple, decent, affordable home in Montgomery or Prince George’s County, Maryland.
Detailed Family Selection Criteria
The applicant and co-applicant must be residents of Montgomery County or Prince George’s County, at the time of application and for at least the 12 months immediately preceding application.
Further, the applicant or co-applicant may reside outside Montgomery County or Prince George’s County, but must be employed in either when applying and show proof of such employment for the 12 months immediately preceding application (does not imply candidate must be employed; this applies only if the candidate does not reside in Montgomery County).
The applicant and co-applicant must be lawful, permanent residents of the United States or US Citizens.
Proof of lawful, permanent residency status or US Citizenship is required for each applicant and co-applicant.
The following is a partial list of documents that may be presented to establish the lawful permanent resident status or United States
citizenship of each applicant and co-applicant.
- Permanent Resident Card (Form I- 551)
- United States passport
- Certificate of United States Citizenship
- Certificate of Naturalization
- Original or certified copy of a birth certificate evidencing birth in the United States
or outlying territory of the United States
The applicant and co-applicant must be exhibiting a demonstrated need for housing included but not limited to:
- Cost burden: Applicant(s) are paying more than 30% of their monthly gross income towards housing including rent payments and utilities
- Structural or mechanical problems, such as faulty or deteriorating foundation, structural, or roof systems
- Deteriorating interior walls or exterior cladding, poor thermal or moisture protection, broken or inoperable doors or windows
- Broken or unsafe interior or exterior stairs and walkways
- Inoperable or dangerous HVAC, plumbing, or electrical systems; broken or inoperable bathroom fixtures or kitchen appliances
- Insufficient space or room configuration to accommodate the number of occupants in the residence at the time of application or who will
be living in the residence in the “near” future
- Unhealthy interior or exterior environment due to rodent or insect infestation; exposed asbestos, lead, or other hazardous materials;
or the presence of hazardous chemicals or gases (such as radon)
- Unsafe neighborhood due to high violent crime rate, high non-violent crime rate
(including illegal drug activity), or other commonly accepted measures of unsafe neighborhoods
- Unsafe neighborhood due to man-made or geo-climatic conditions such as flooding or earth movement
WILLINGNESS TO PARTNER
All Habitat applicants and co-applicants must agree to fulfill a “sweat equity” requirement that is based on the following requirements:
(Sweat Equity hours must be completed prior to move-in)
- 1st adult 18 years or older in household= 200 hours
- Each additional adult occupant (anyone 18 years or older) = 100 hours
- Each young adult (16-17 years old) = 50 hours
- The maximum “sweat equity” requirement is 500 hours per family
- At least 50% of the household’s sweat equity hours must be completed on the construction site
- Relatives, friends, and children under 16 may contribute sweat equity hours but no more than 50% of the family’s total sweat equity requirement
THE FAMILY’S SWEAT EQUITY MAY BE MET IN THE FOLLOWING WAYS:
- Contributing to the construction of their house or that of another Habitat family (16 and older)
- Working at the Habitat ReStore (14 and older)
- Doing volunteer work for Habitat for Humanity Metro Maryland such as office work, staffing a booth at a fundraising event, working on the newsletter, etc.
- Participating on a Habitat committee such as Publicity, Fundraising, etc.
- Attending Habitat Homeowner workshops on Finance and Budgeting, Homeowner Maintenance and Repair, Community Living
- Children in grades 1-12 can earn sweat equity hours for grades during each grade-reporting period. An “A” earns 5 hours, a “B” earns 4 hours, and a “C” earns 3 hours
A Habitat for Humanity Metro Maryland Board member, staff member, or committee member must verify all sweat equity hours earned.
If approved for a Habitat home, all applicants must be willing to attend and join in programs to learn about finance and budgeting, home repair and maintenance, and become a part of a Homeowners Association if applicable.
All 18 or older occupants of the future Habitat home must willingly agree to undergo a criminal background check. All occupants of the future Habitat home must have no record of sexual offense charges.
All occupants must have a record clear of any drug-related charges within the last 5 years.
ABILITY TO PAY
The applicant and co-applicant must present information such as the following:
- Financial and personal information, employment references, federal and state income tax returns (must include front and back of documents), W2 statements, and proof of employment or other income including Uber, Lyft and Taxi Manifest
- Monthly household expenses including: rent, utilities, child care, cell phones, car payments, car insurance, credit cards, school lunch, student loans, other loans, alimony and/or child support
- Bank statements most recent 6 months from all institutions
- A credit report clear of any bankruptcies or foreclosures within the last 3 years
- Expectation that employment or other sources of income (such as disability, social security, TANF/SNAP or other types of assistance payments, if used to qualify for loan) to meet Habitat’s minimum income requirement will remain constant. Exceptions may be possible with a reasonable explanation.
(This information will help determine if the family has the resources to make the proposed monthly Habitat house payment, maintain current level of reasonable living expenses and stay current on existing debt obligations.)
Habitat homebuyers must have an annual household income between 30% to 50%, and in some cases up to 60%, of the Area Median Income (AMI) as determined by HUD. Each project may have different minimum and maximum income requirements as a result of the home sales price.
For more information please contact our Family Services Coordinator at Family.Services@HabitatMM.org or 301-990-0014 x21.
Equal Housing Statement
Habitat for Humanity Metro Maryland is pledged to the letter and spirit of 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, sex, marital status, physical or mental disability, color, religion, national origin, ancestry, presence of children, source of income, sexual orientation, gender identity, age and family responsibilities.