• Information
  • Eligibility
  • Pre-Qualification

Please note: The Application Period Is Currently Closed

How to Apply

Take These Steps to Owning a Home of Your Own

  1. Review the Homeownership Program details.
  2. Review the Do You Qualify for Homeownership criteria. → next doc
  3. After you have reviewed the links in steps 1 and 2: Complete the Homeowner Pre-Qualification Form.
  4. Your form will be reviewed and scored. If your score is high enough, within 30 days you will be invited to a Homeowner Orientation, where you will be given an Application for Homeownership.
  5. Complete your Application for Homeownership, gathering the appropriate documents.
  6. Once you submit your completed application, our Family Selection Committee will review your information. We will verify employment and other sources of income, have a credit/background check done, and ask you for credit references. Your long-term debt, including your expected Habitat housing cost, must be below a certain threshold. (The review process may take two to three months.)
  7. If you appear to meet the eligibility criteria based on the information provided in the Application for Homeownership and supporting documentation, members of the Family Selection Committee will conduct an interview and a home visit.
  8. You will be contacted to let you know whether or not you have been approved.

What Happens Once You Are Approved

  • You will be asked to sign a Covenant, or Letter of Acceptance, which states the specifics of the program and your roles and responsibilities.
  • Sweat equity begins. You will be responsible for completing a minimum of 300 volunteer hours. Homeowner candidates work in the Habitat ReStore, and on other families’ homes, before starting their own home.
  • You must complete 12 Habitat homeownership classes plus one, 8-hour First-Time Homeownership Workshop with a HUD-approved provider.
  • Homeowner candidates must contribute $2,000 toward closing costs. This is accomplished with 16 monthly payments of $125. You will be required to have paid this in full at the time of closing.

Homeownership Program

Helping to Make Your Homeownership Dream a Reality
Habitat for Humanity of Broward (HFHB) builds homes with people in our community and sells the houses at no profit and no interest to households who otherwise could not afford to own a home. The program also prepares partner families to be successful homeowners.

Some Things to Consider

Here is some basic information about how the program works. Part of the application process includes a special Homeowner Orientation where applicants get lots of information and the opportunity to ask questions.

Equal Housing Opportunity

We are pledged to the letter and spirit of US 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 national origin.

Frequently Asked Questions

HFHB builds single family homes. We also rehabilitate existing homes. All homes come with our standard Homeowner’s Warranty and are built to be energy-efficient. Depending on the size of your family when you apply, we build homes with three to four bedrooms and two bathrooms.
HFHB builds throughout Broward County, in places we can find affordable land. Currently, we are building primarily in the City of Pompano Beach, which is located in northeast Broward County. Once you have completed 100 hours (single applicant) or 150 hours (co-applicants) of sweat equity, we will meet with you to review your site assignment.
Although it may vary, the average length of time it takes homeowner candidates to complete the program is 18 months. You must attend 12 homeownership classes, complete a total of 300 sweat equity hours and save for closing costs ($2,000). To keep you on track, you are required to put in a minimum of three Saturdays each month and attend monthly workshops as scheduled.
Because of volunteer labor and donations from organizations and individuals, Habitat homes are sold to homeowners at no profit. Also, they are financed with a 0%-interest mortgage that is fixed typically for a 30-yr. term.
Depending on the appraised value of the home, the average 3-bedroom home could have a monthly mortgage payment as low as $950, which includes principal, taxes, insurance and HOA fees, if applicable.
Sweat equity is an exciting cornerstone to the Habitat program designed to meet three important goals: partnership, pride in homeownership and development of skills and knowledge. Sweat equity hours can be earned by volunteering on our construction sites or at the Habitat ReStore. You will be required to complete some of the hours yourself. Family, friends and co-workers can help you earn the remaining sweat equity hours. All volunteers must be at least 16 years of age to work on site.