Apply For A Home

How to Apply for Homeownership through HFH GE

How the Program Works:

With the support of community partners, donors and volunteers, Habitat for Humanity Golden Empire constructs new or renovates existing homes alongside Habitat Partner Homebuyers. In addition to a down payment and monthly mortgage payments, homeowners invest Sweat Equity hours building their future Habitat home and the homes of other Habitat homebuyers. Habitat homes are sold to Partner Homebuyers and financed with affordable loans.

Program Criteria:

1. Homebuyers must be able to demonstrate they can afford a zero-percent or zero-percent equivalent mortgage loan and a small down payment
2. Habitat Homebuyers must fall within program income guidelines. See below for current program income guidelines:

   2016 Income Eligibility Guidelines*
   Number of People in Houshold	1	2	3	4	5	6	7	8
   Minimum Income Limit	$15,960	$18,240	$20,250	$22,760	$24,600	$26,440	$28,240	$30,080
   Maximum Income Limit	$31,850	$36,400	$40,950	$45,500	$49,150	$52,800	$56,400	$60,100

   *Note income guidelines are subject to change per the Department of Housing and Development (HUD) and vary per development
3. Homebuyers must have good credit (no recent bankruptcies, collections, liens or judgments)
4. Habitat Homebuyers must demonstrate a need for decent and affordable housing
5. Homebuyers must be willing to partner with HFH GE by completing the following:
   • 200-500 Sweat Equity hours
   • A HUD-certified pre-purchase homebuyer education workshop

Interested in Owning a Habitat Home?

Those interested in applying may complete a Homeownership Interest Form, available HERE. You may also contact our office at (661) 861-8449 or send an email to home@habitatbakersfield.org. As future opportunities become available, interested individuals will receive information and notices on how to apply.

Habitat for Humanity Golden Empire provides equal housing opportunities for all, and ensures fair and equal access to its programs and services regardless of race, color, religion, gender, national origin, familial status, disability, marital status, ancestry, sexual orientation, source of income, or other characteristics protected by law.