Homeownership Information Session

Information about our program will be presented with opportunities to ask questions. You will leave the session with a list of documents you need to gather in order to submit a complete application. You only need to attend 1 session.

Session #1

When: Aug 12, 2024 (Monday)

Time: 7:00 PM Eastern Time (US and Canada)

Register in advance for this meeting:

Session #2

When: Aug 20, 2024 (Tuesday)

Time: 7:00 PM Eastern Time (US and Canada)

Register in advance for this meeting:

Session #3

When: Aug 29, 2024 (Thursday)

Time: 7:00 PM Eastern Time (US and Canada)

Register in advance for this meeting:

After registering, you will receive a confirmation email containing information about joining the meeting.

If you have questions, please contact Jasmine Moore at [email protected].

Our Program

We provide a hand-up, not a hand-out, by partnering with the families accepted into our program to help them become successful homeowners. Approved applicants will purchase a new or rehabilitated home with a zero-equivalent or low-interest 30-year home loan.

    • Applicant must live or work in DeKalb County for a minimum of one (1) year prior to applying
    • Be a citizen or permanent legal resident of the U.S.

Selection Criteria

The Habitat model uses three criteria to determine whether a family qualifies for our homeownership program:

  • Current housing is unsafe or overcrowded
  • Currently paying more than 35% of income for rent
  • Must be a first-time home buyer
  • You are unable to obtain an affordable mortgage through conventional means
  • Must complete 250 sweat equity hours. Sweat equity hours are earned by volunteering to build your home and other Habitat projects
  • Attend and pass all home owner education classes and workshops
  • Have a steady source of income
  • Have good credit history (based on your credit report, NOT your credit score)
    • Charged-off debts or collections are $2000 or less
    • Bankruptcies and/or evictions have been discharged for a minimum of two years at the time of application. If it was dismissed, you must have paid off all debts to the bankruptcy
  • Total household income must fall within the listed guidelines, adjusted for family size

Homeownership Benefits

In Dekalb County 10% of individuals are below the poverty line. There are 145,825 single families homes owned in DeKalb County, and as many as one in two families who own their home live below the poverty line.

A family with one fulltime worker earning the minimum wage cannot afford (at 30 percent of income) the local fair-market rent for a two-bedroom apartment anywhere in the country.

Homeownership provides a wide range of benefits to individual homeowners as well as society as a whole

  • Children of homeowner score better on academic tests, graduate at a higher rate, and have fewer behavior problems

    • 7% Higher reading scores
    • 116% more likely to graduate from college
    • 59% more likely to own a home 

  • Homeowners are more likely to become active in civic activities as well as participate in local elections

    • 15% more likely to vote in local election
    • 10% more likely to know their U.S. Congress member by name
    • 6% more likely to solve local problems