Habitat for Humanity of Miami and Shelby Counties is pleased to share that our Homeownership Application window is open between March 9 and April 10, 2026!
Each homebuyer is chosen by the HFHMSCO Selection Committee which consists of the Qualified Loan Officers and select board members. In addition to verifying an applicant’s need and willingness to partner with Habitat, the committee assesses their readiness to assume a mortgage. Committee and potential homeowner meet and complete a home visit. Prospective Partners are then required to complete between 200 and 400 partnership hours. This is volunteer service that includes helping to build their own home, working in the Habitat Activity Center or ReStore, and taking financial courses and credit counseling. When the home is complete the Partners become first-time home buyers!
Interested Homeownership applicants will be considered when the following qualifications have been met:
-Have a qualifying need for affordable housing including but not limited to overcrowding, safety concerns, or cost burden.
-Pass a sex offender background check.
-Reside in or be employed in either Miami or Shelby Counties.
-Have an income between 40% and 80% of the median household income in their county.
-Have two years of rental history with on-time payments.
-Have 12 months consecutive income from employment or SSI.
-Be willing to pay a low-cost application fee, make a 1% down payment, assume an affordable mortgage, and complete required partnership hours.
Applicants will be required to provide certain documentation as proof of qualification. To request an application, please contact Megan Young, DIrector of Operations, or Jenna Vent, Office Assistant at 937-332-3763.