Homeownership Program

About the Program

Homeownership through Habitat helps build strength, stability, and self-reliance. Affordable mortgage options include mortgages financed through Habitat as well as third-party loans through established partnerships.

Qualifications for Habitat's Homeownership Program

  • Need for an affordable home
  • Able to pay an affordable mortgage
  • Willing to volunteer and complete financial course

Check out the Homeownership Program Requirements for more information.


a word where everyone has a decent place to live


seeking to put God's love into action, Habitat for Humanity brings people together to build homes, communities and hope

5 steps to Homeownership

  1. Attend an information session
  2. Schedule intake appointment
  3. Submit Habitat program application
  4. Get selected to partner with Habitat
  5. Apply for affordable home loan

We are accepting applications. For more information, email our Director of Homebuyer Services at patty@fredhab.org or call at 540-891-4401.

✔ Completed the interest meeting?
✔ Reviewed the Requirements page?
✔ Ready to apply?

Habitat programs center around the idea of a partnership between Habitat and homeowners. Therefore, successful homebuyers must also be willing to contribute “sweat equity” by volunteering on Habitat projects and complete a substantial financial education course. Successful applicants will be able to repay an affordable mortgage on a monthly basis.

Habitat is an Equal Housing Lender and all programs proactively comply with Fair Housing laws and regulations.

Check out one of our completed homes in avirtual home tour!

Who Buys Habitat Homes?

✔Firefighters, Police Officers and EMTs
✔Teachers and School Employees
✔First-time Homebuyers
✔Your Friend or Neighbor!