We believe that everyone should have a safe, affordable place to call home.
To carry out our vision, we partner with individuals and families from application through construction to when the keys are handed over.
By working with us from beginning to end, we can help prospective individuals prepare for the various responsibilities of homeownership, including learning about personal finances, mortgages, maintenance and upkeep of homes, and much more.
Habitat’s path to homeownership is an important and in-depth process, requiring hard work, time and dedication. But this helps to ensure the long-term success of Habitat homeowners.
How to qualify for a Habitat home
Habitat homeowners must be active participants in building a better home and future for themselves and their families. Every Habitat home is an investment. For us, it is one answer to a critical need, and we believe that stronger homes will create stronger communities.
Prospective Habitat homeowners must demonstrate a need for safe, affordable housing.
Once selected, Habitat homeowners must partner with us throughout the process. This partnership includes performing “sweat equity,” or helping to build their own home or the homes of others in our home ownership program.
Homeowners must have the ability to pay a monthly mortgage of $500-$600 per month. Mortgage payments are cycled back into the Goochland community to help build additional Habitat house.
Homeowners must apply for financing through USDA and submit a pre-qualification letter to Habitat Goochland with other supporting documents.
USDA pre-qualification information
If you would like to pre qual yourself, please complete this pre-qualification document.
If you are unsure of what your credit history looks like, you can obtain a free credit report by calling 1-877-322-8228 or logging into https://www.annualcreditreport.com. By law, individuals are entitled to receive one free credit file disclosure every 12 months from each of the nationwide consumer credit reporting companies – Equifax, Experian and TransUnion. You may wish access your free credit report to assist in answering questions on the credit history section of the eligibility assessment.
The eligibility assessment is designed to make the process move faster. The information you provide is used for an unofficial online determination of program eligibility and will help you to determine if the Section 502 Direct Loan Program is a good fit for you prior to applying.
Can anyone apply to be a Habitat homeowner?
Yes. Habitat follows a nondiscriminatory policy of home buyer selection. Neither race nor religion is a factor.
Apply For A Home
We believe that everyone should have a safe, affordable place to call home.
To carry out our vision, we partner with individuals and families from application through construction to when the keys are handed over.
By working with us from beginning to end, we can help prospective individuals prepare for the various responsibilities of homeownership, including learning about personal finances, mortgages, maintenance and upkeep of homes, and much more.
Habitat’s path to homeownership is an important and in-depth process, requiring hard work, time and dedication. But this helps to ensure the long-term success of Habitat homeowners.
How to qualify for a Habitat home
Habitat homeowners must be active participants in building a better home and future for themselves and their families. Every Habitat home is an investment. For us, it is one answer to a critical need, and we believe that stronger homes will create stronger communities.
USDA pre-qualification information
If you would like to pre qual yourself, please complete this pre-qualification document.
Go to: https://www.rd.usda.gov/files/PA_SFH%20Direct%20Pre-Qualification%20Form.pdf
You will also need to sign this third party agreement form,
Email to family@habitatgoochland.org
If you are unsure of what your credit history looks like, you can obtain a free credit report by calling 1-877-322-8228 or logging into https://www.annualcreditreport.com. By law, individuals are entitled to receive one free credit file disclosure every 12 months from each of the nationwide consumer credit reporting companies – Equifax, Experian and TransUnion. You may wish access your free credit report to assist in answering questions on the credit history section of the eligibility assessment.
The eligibility assessment is designed to make the process move faster. The information you provide is used for an unofficial online determination of program eligibility and will help you to determine if the Section 502 Direct Loan Program is a good fit for you prior to applying.
Can anyone apply to be a Habitat homeowner?
Yes. Habitat follows a nondiscriminatory policy of home buyer selection. Neither race nor religion is a factor.