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Become a Homeowner
Become a Homeowner
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How are Partner Families Selected?

Our Family Selection Committee reviews the applications and chooses families based on their need for better shelter, their willingness to become partners in the program, and their ability to repay a no-interest mortgage.   Applicants must have lived or worked in Bulloch County for at least one year at the time of application.  Once a family is selected, they start attending homeowner education classes and volunteering with Habitat on our construction sites and at our store.  Then they volunteer with Habitat on the construction of their house.  After the house is completed, Habitat sells the house to the family for the cost of construction using a low- or no-interest mortgage.

***Habitat for Humanity of Bulloch County does not provide home repairs, rental assistance or emergency housing assistance, but will refer to other agencies when possible.***

Criteria for Application

Live or work in Bulloch County for the twelve months prior to application.

Be in need of adequate housing

      • House physically substandard
      • House too small for family size
      • Temporary or living with others
      • Too expensive for family pay
      • Not accessible for disabled family member
      • Just wanting a house is NOT enough!


Be willing to partner with Habitat on their own and others’ houses

        • Sweat equity — labor on your own and others’ houses, work at ReStore or office
        • Attending Homeowner Education sessions and other events
        • Taking responsibility – this will be YOUR house!


Be able to pay for a no-interest mortgage, based on credit and income

          • Have sufficient, reliable, and verifiable income to pay the mortgage payment
          • Have an acceptable credit history
          • Income limits vary by family size.  See chart below:

General Income Guidelines

Family of 1:   $10,100 – $21,000 Family of 5:   $16,200 – $32,400
Family of 2:   $12,000 – $24,000 Family of 6:   $17,400 – $34,800
Family of 3:   $13,500 – $27,000 Family of 7:   $18,600 – $37,200
Family of 4:   $15,000 – $30,000 Family of 8:   $19,800 – $39,600

(These numbers are based on a median income for a family of one through eight people in Bulloch County. An applicant who qualifies for a Habitat house must make a yearly income of at least $10,100 or 30% – 60% of the median income of families their size)


How to Apply

Click on the link on the right side of the page to see how to apply to Habitat’s program,  “Toward Homeownership.”


Equal Housing Opportunity symbolWe are pledged to the letter and spirit of U.S. policy for the achievement of equal housing opportunity throughout the nation. We affirm 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.