ATTENTION BARROW COUNTY RESIDENTS

The application process will open on December 6, 2024. Deadline will be January 6, 2025.

Click this link to download the application: Uniform Residential Loan Application

An application is needed for each individual who will be listed on the bank loan.

Homeownership

Selection Criteria

Barrow Habitat for Humanity uses three criteria to determine whether or not a family qualifies for our homeownership program. The following must be met:

Need for better housing

Potential homeowners must be:

Currently experiencing overcrowded, unhealthy, or inadequate housing
Paying more than 30% of their income on rent
Living in handicap inaccessible homes
Or experiencing other shelter needs

Willingness to partner

Throughout the year-long build season, homeowners invest their time and energy into their future homes through:

250 hours of "sweat equity" helping to build your own home or the homes of others in the program

Ability to pay

Our homeownership program is a hand-up, not a hand-out.

The homes are sold to families through affordable mortgages.
Our partner families must be able to pay a monthly mortgage payment for their new home. See below chart for our income guidelines.

Qualification Criteria:

Must be a Legal Permanent Resident of the United States.
For Barrow County: You must have lived in Barrow County for at least the last 12 months.

Affiliates for other counties can be found at www.habitat.org.

Your yearly income must fall within the below income guidelines, which are adjusted for family size.
You must have two years of continuous income.
You must have a reasonably good credit history. Minimum credit score must be at least 640. It must be at least two years since you discharged any bankruptcies, and you must be making payments on your debts.

2024 Habitat House build

Walton Board of Realtors volunteering

2024 Habitat family awarded keys

Father/Son volunteer for exterior door installation

Barrow Area Rotary Club

Barrow County Habitat for Humanity pledges to the letter and spirit of U.S. for the achievement of equal housing. We do not eliminate applicants or discriminate on the basis of race, color, religion, gender, sexual orientation, handicap, family status, ethnicity, or national origin.