Homeownership Program
STEP 2.
The Habitat for Humanity Hillsborough County Homeownership Application Orientation Class outlines the process to qualify for the Homeownership Program. The class provides an opportunity and learn about the process and qualifications to purchase a Habitat for Humanity Hillsborough County home.
STEP 3.
Individuals who complete “Orientation Class” will be invited to complete a more comprehensive full application through Habitat Hillsborough’s origination software, Encompass. Once a full application has been completed and submitted a document request email will be sent within 7 days. All requested documents must be uploaded in our secure server.
STEP 4.
Once Applicant has uploaded all required documentation within the required 30 days after receiving document request. Application with be reviewed by processor and additional documentation may be required if incomplete, otherwise loan will be submitted to underwriting for review.
STEP 5.
While in underwriting if based on current information in file borrower does not qualify. Applicant has the option to participate in our Financial Literacy Mentorship program (See more details on Financial Mentoring Page). However, if borrower qualifies loan will be submitted for the second review by the Loan Committee. Once decision is made Applicant will be informed of the next step.
Buying a Habitat Home
Habitat for Humanity builds Strength, Stability and Self-Reliance in our community through homeownership.
Low-income individuals and families, who meet our eligibility criteria and who qualify for a Habitat mortgage, may choose to partner with Habitat Hillsborough to build their dream of owning a home. Since we do not require a down payment, future homeowners invest in their homes through sweat equity hours. These hours can be accumulated building homes and volunteering at our ReStores.
Future homeowners pay Buyer’s closing costs and purchase their homes with an affordable mortgage.
Types of Homes Built
Habitat for Humanity of Hillsborough County is currently developing well-built, multi-family, single-family homes. As an indication of our commitment to quality, durability and sustainability, new homes are certified in compliance with Energy Star and Florida Water Star standards.
Location, Location, Location
Habitat for Humanity of Hillsborough County works to acquire affordable residential building lots throughout Hillsborough County. We offer home sites as land opportunities become available to us. **VETERANS are urged to apply through the VETERANS INITIAL PRE-APPLICATION SCREENING QUESTIONNAIRE.**
We are 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, color, religion, sex, handicap, familial status or nationality.
