Habitat for Humanity Greater Orlando & Osceola County builds and rehabs affordable homes for low-income individuals and families who demonstrate a housing need. Habitat for Humanity believes homeownership is a vital step in creating self-esteem in both families and neighborhoods, and is the most basic way to break successive generations of poverty.
Habitat for Humanity is an equal opportunity program. Applicants are selected based on their need for housing, willingness to partner with us, and their ability to pay the mortgage. Individuals from all races, sexes, and creeds are encouraged to apply.
- Have a minimum credit score of 640. Alternative lines of credit may be considered if an applicant does not have credit scores.
- Presently reside in housing that is substandard in some way or inadequate due to any of the following – housing not maintained by the landlord, cost-burdened, overcrowded housing, temporary housing, etc. Living in subsidized housing does not preclude a family from consideration.
- Be willing to contribute 200-400 of hours of ‘sweat equity’ on the construction sites and complete 17 homeowner courses to prepare for becoming a homeowner.
- The total household income must fall within a predetermined range according to the number of people in the family. This is to ensure that the new homeowners will be able to pay the low monthly mortgage payment, which includes escrows such as taxes, insurance and possible HOA.
- The projected housing payment cannot exceed 30% of your gross income. You will need to qualify for the mortgage loan and meet our income criteria.
How the Program Works
meet the guidelines
You may be eligible for a Habitat home if you have been a resident of Orlando/Orange County for at least one year and you meet the 3 guidelines: need, ability to pay, and willingness to partner.
- Is your present housing one of the following:
- Inadequate – Lack of adequate housing may include problems with the present structure such as: water; electrical or sewage service systems; heating system; hazardous; poorly maintained (substandard); or failure to meet city property maintenance standards.
- Overcrowded – Also taken into consideration are the make-up and size of your family compared to the number of bedrooms in your home.
- Transitional — You are currently living with family members or a friend and you do not have your own place to live.
- Government Subsidized – Housing programs such as: Section 8, Low Rent Program.
- Unaffordable – A percentage of your monthly income that you currently spend on housing is considered to determine need (“more than 40% of my monthly income goes towards rent”).
Ability to Pay
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The projected housing payment cannot exceed 30% of your gross income. You will need to qualify for the mortgage loan as well as meet our income criteria. In addition, you must:
- Not have any unpaid non-medical charge-offs on your credit report.
- Owe less than 43% of your gross annual income in total debt.
- Pay your rent on time.
- Had stable income for the last year.
- Have not declared bankruptcy in the last 24 months.
Willingness to Partner
- You must be willing to partner with Habitat Greater Orlando and work 200 hours of “sweat equity” for a single applicant or 400 hours of “sweat equity” for a two-person applicant.
- You must attend the required homeowner classes as scheduled.
- You will encourage other families to participate in the Habitat program.
- You will be responsible for maintenance of your house from the time you move into your home.
- You will be responsible for repaying the purchase cost of your home in a timely manner so that other families can benefit from the Habitat program