Apply For A Home

At Habitat for Humanity of the Chesapeake, we want all prospective homebuyers to be fully informed at the beginning of the application process.

If you’re interested in applying for a home, please read the following.

Requirements

In order to be accepted into Habitat for Humanity of the Chesapeake’s homeownership program, you must meet the following three criteria:

Ability to Pay

Habitat for Humanity of the Chesapeake works with a special group of people—hardworking men and women who make enough money to pay a monthly mortgage, but not enough to qualify for bank loans. Check our income guidelines below and make sure you qualify.

Need for decent housing

You or your family must be living in overcrowded or deteriorating conditions. If you are living with family or friends or if you are paying too much to rent a place that is falling apart, call us.

Willingness to partner

When we talk with you about becoming a Habitat partner family, you will be asked to invest “sweat equity” in our partnership. This includes 200 hours of volunteering if you are single and 300 hours if there is another adult in your household. Additionally, there are 50 hours of financial and homebuyer education. We want to work with you.

When you have completed your “sweat equity” you will be ready to buy a Habitat house. Habitat for Humanity of the Chesapeake will work with you along the way to make sure you are able to pay your monthly mortgage and you will receive a zero-interest Habitat mortgage.

To apply, please call our Homeownership Inquiry Line at 410-366-1250 x149, and a staff member will get back to you as quickly as possible.

Income Guidelines

2012 Income Guidelines (Source: HUD)

Other Local Assistance

If you find that you don’t qualify for our program, or you need immediate housing assistance, check our list of local assistance resources for more information.