home purchase

Applications are NOW OPEN

Application Questions? Please contact Beverly Irons at 301-990-0014 x1040 or at beverly.irons@habitatmm.org.
 

Virtual Homebuyer Information Sessions

Join our upcoming Virtual Homebuyer Information Sessions:

Join our email notification list for future announcements and upcoming opportunities:
Habitat for Humanity Metro Maryland staff will contact you regarding future homeownership opportunities as they become available. Click here to join.

Find Your Local Affiliate:
https://www.habitat.org/volunteer/near-you/find-your-local-habitat

Additional Resources:  
https://habitatmm.org/how-to-apply/additional-resources.html

 

How To Apply for a Home with Habitat for Humanity Metro MD

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 for Humanity Metro MD

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.
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 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 this form. 
 
 
3. APPLICATION PROCESS

Submit a completed 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 (past 6 months)
  • W-2 and most recent 2 years and or 1099's
  • Income tax returns (State and Federal) all pages most recent 2 years
  • Photo ID
  • Credit Report Fee (the fee is based upon the number of applicants: $50 for one applicant OR $100 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, along with all of the program requirements. 
 

4. APPLICATION REVIEW
HFHMM will carefully review the application to determine whether a family fulfills the required criteria for each available property during the application period. 
 
5. NOTIFICATION OF SELECTION AND DECISION
The Family Selection Committee meet to review potential homebuyer information. Once approved, the HFHMM Board of Directors determine final family selection. 

Inevitably, there will be more qualified homebuyers than homes available therefore 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.
 

For more details about our Home Purchase program click here. 
 

 

Local Resources

Housing Opportunities Commission of Montgomery County 
https://www.hocmc.org/

Housing Initiatives Partnerships
https://hiphomes.org/housing-development/single-family-homes/ 
[hiphomes.org]

City of Gaithersburg Homebuyer Assistance Loan Program (GHALP)
https://www.gaithersburgmd.gov/services/housing-services/homebuyer-assistance-loan-program [gaithersburgmd.gov]

State of Maryland Mortgage Program – Department of Housing and Community Development
https://mmp.maryland.gov/

 

Equal Housing Statement
EHOC

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.