Apply to Become a Habitat Homeowner

Habitat Homeownership Process

Thank you for your interest in our program. Here is a step-by-step overview of what to expect when you apply. Please fill out the pre-qualification form at the bottom of the page after you confirm you meet all requirements.

STEP 1: REVIEW OUR PROGRAM QUALIFICATIONS

General Requirements

  • Must be a first time homebuyer
  • Must live and/or work in Charlotte County for at least one (1) year
  • Must be a U.S. citizen or legal permanent resident (green card holder)

Financial Requirements

  • Show a stable employment history
  • Have no bankruptcies within the last three (3) years, sufficient credit history, with no accounts in collection, no unsatisfied public records
  • Establish a monthly savings account
  • Total debt-to-income ratio, including a Habitat mortgage payment of 30% of household income, must be less than 43%

Income Requirements

  • Must earn a minimum of $2,500 per month
  • Family Size / Maximum Gross Household Income
    • 1 Person / $42,950
    • 2 Persons / $49,100
    • 3 Persons / $55,250
    • 4 Persons / $61,350
    • 5 Persons / $66,300
    • 6 Persons / $71,200

STEP 2: DETERMINE IF YOU ARE READY

If we are currently accepting Pre-Qualification forms and you are ready to take the next step and see if you qualify to the Homeownership Program:

  • You may fill out our Pre-Qualification Form if you meet all program requirements. Once you submit your completed form, you will receive a notification within 2 weeks, either inviting you to the Charlotte County Habitat Homebuyer Pre-Application Session or providing reasons why you do not qualify. The Pre-Qualification Form can be found at the bottom of the page.

If you currently do not meet, or are unsure if you meet all requirements, but are interested in our Homeownership Program:

  • You can attend an information meeting to hear more about the program requirements, steps to take to meet all requirements, and learn more about the next steps in applying to the program. Please call our Family Service team at 941-639-3162 to schedule your meeting.

STEP 3: ATTEND HABITAT PRE-APPLICATION SESSION

Submissions that successfully meet all requirements will receive a pre-application checklist and must attend a Homebuyer Program meeting which includes:

  • Meeting with our Family Service team to answer any questions
  • Step-by-step instructions on how to complete your submission packet
  • Receive your pre-application packet and documents request list. Submission packets will be reviewed by our team to verify income, credit, and background.

*If the information provided meets all of the criteria and guidelines, applicants will move to the next step. The application process is usually completed in 30 days.

STEP 4: ATTEND HABITAT BRIDGES OUT OF POVERTY CLASSES

Successful applications that meet the criteria during the Pre-Qualification review phase will receive an invitation to schedule the final step, Bridges Classes. The Bridges Classes are an important step to determine your commitment and willingness to partner with Charlotte County Habitat for Humanity.

After the Bridges Classes have been completed, the Family Selection Committee recommendations will be presented to the Board of Directors for final selections into the Homeownership Program.

Due to the rigorous evaluation process, you may not receive an update of your status for several weeks. The Family Selection Committee will notify each applicant of the outcome of this process within 30 days. Please submit all questions via email to families@charlottecountyhfh.org.

, How To Apply

All monies raised during the 𝘈𝘯𝘯𝘶𝘢𝘭 𝘉𝘶𝘪𝘭𝘥 𝘊𝘢𝘮𝘱𝘢𝘪𝘨𝘯 will go directly into building homes for families in Charlotte County. Click Here to Donate

, How To Apply

Charlotte County Habitat for Humanity now provides cleanout & removal services. To learn more, please visit our Habitat Cleanout & Removal page.

, How To Apply

All monies raised during the 𝘈𝘯𝘯𝘶𝘢𝘭 𝘉𝘶𝘪𝘭𝘥 𝘊𝘢𝘮𝘱𝘢𝘪𝘨𝘯 will go directly into building homes for families in Charlotte County. Click Here to Donate

, How To Apply

Charlotte County Habitat for Humanity now provides cleanout & removal services. To learn more, please visit our Habitat Cleanout & Removal page.

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