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Homeownership

Habitat’s vision is a world where everyone has a decent place to live. In Frederick County, one way we impact affordable housing is our homeownership program. We partner with families who cannot qualify for a conventional mortgage and have no other way to own a home on their own.

The homeownership program is based upon the concept of partnership. Habitat commits to working with the local community to build or renovate decent houses and sell them to qualified families with a 0% interest mortgage. In turn, partner families must contribute “sweat equity” before purchasing the home, attend homeownership workshops, follow program guidelines, and repay the mortgage.

 

Requirements for Homeownership

To qualify to be a Frederick Habitat Homeowner, you must have:

  1. A housing need. For example, your current living environment is not adequate for the family because it is too crowded, unsafe, unsanitary or not affordable.
  2. Lived in Frederick County for a minimum of one year. 
  3. A total family income between 30% and 60% percent of Frederick County's median income.

We also require that all adult (18 years and older) members of your household be willing to contribute between 300  and 500 hours (combined) of "sweat equity" before you purchase your home. Family size will determine the total number of hours. Relatives and friends can contribute up to 30% of the total hours required.

Finally, you will be required to provide a $500.00 down payment, payable at the time you sign your letter of approval.

 

Applying

Aplications are accepted only during open application period. Please call the Habitat office at 301-698-2449 for more information.

A Brush With Kindness

We are currently accepting applications for our A Brush With Kindness Program, a program that assists with external repairs to existing homes. Applications and more info mation can be found on our ABWK page here.

 

Habitat for Humanity of Frederick County,  a 501(c) (3) non-profit organization.
2 East Church Street, Frederick MD 21701
301-698-2449 | info@frederickhabitat.org