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HOMEOWNERSHIP PROGRAM

Habitat for Humanity - Dekalb strives to make homeownership affordable to help people who do not own their own home and are unable to obtain a conventional loan.


We provide a hand up, not a hand-out, by actively partnering with the families accepted into our program.


 


We sell new or rehabilitated homes with a no profit loan. The homeowner pays for the home with a zero-equivalent or low-interest home loan; typically 30 years.


Eligibility

General

  • Live or work in DeKalb County for a minimum of 2 years prior to filing the application.

  • Be a U.S. Citizen or have Legal Permanent U.S. Resident Status.

Need

  • Must be a first time homebuyer.

  • Your current housing is unaffordable, unsafe, or overcrowded.

Ability To Pay

  • Have a steady source of income for two years prior to filing the application for a new home.

  • You must have reasonably good credit history (based on your credit report, NOT your credit score).
  • Any bankruptcy filings must have been discharged a minimum of two years prior to filing an application.

  • Have a total household income which does not exceed 60% of the median income  for Atlanta using HUD reporting.

  • Have a savings account and have a plan for saving up to $2500 for closing costs.

Willing to Partner

  • Must partner with Habitat by working a total of 250 “sweat equity” hours;  helping to build your home and other Habitat partner homes

  • Must attend all sessions of approved homeowner educational classes and workshops.

  • Must be willing to move in select neighborhoods in DeKalb County 

Application

You must attend a Habitat Information Session.

Please complete the contact us form below and we will get back to you with more information about our upcoming sessions.    Once we have the dates available, we will email everyone who is interested.   Being on this email list does not guarantee you a seat at our next information sessions.   Registration into these sessions is first come, first serve, until filled.  Please make sure you check your email.

Currently, we do not have any orientation sessions scheduled.   Please check back Spring 2020!

Atlanta Area Median Family Income

Atlanta Median

Homeownership Program Process

1. Attend 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

2. Review Application

  • The pre-qualification and new home ownership applications must be completed truthfully, on time, and with all the requested information.

 

  • A sexual offender and criminal background check will be conducted. Employment and rental history will be verified.

 

  • A member of the Family Selection Committee will contact you to set up a time to visit and conduct an interview with you and your family at your current residence.

3. Approval Confirmation

  • The qualified applicant will be presented to the Board of Directors who will make a final decision on a family’s acceptance into the program.

 

  • Once accepted into the Homeownership program, the process from acceptance through moving into a home can take 8(eight) months to 2(two) years, depending on available funding, construction schedules, and the future homeowner's progress of completing requirements.

 

  • Inevitably, there will be more qualified families than homes available so not all qualified families will be approved.

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

Family
  • 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

Homeownership Resources

information sessions

The responsibilities of homeownership can seem challenging for first-time home buyers.

 

Participants in our program are offered homeowner classes to ensure their success in the future. Course topics range from family budgeting and mortgage basics to community involvement, crime prevention, and energy efficiency in the home.

Classes are offered at our offices in Tucker and in partnership with Atlanta Habitat for Humanity at their training center in Atlanta.

 

No classes are currently scheduled. Please come back at a later time.

Do you have a group of five or more people that would benefit from learning about Habitat DeKalb’s home ownership program?

We can come to you! Invite us to your place of worship, school, business, or community event.

  • Homeowner information session onsite
  • Information table
  • Lunch and learn presentation
  • Staff meeting presentation
  • Employee benefits fair
  • Paycheck inserts
  • Newsletter or website article
  • Distribute fliers or postcards

 

Booth

Thinking about applying?

Contact us to sign up for an information session and get the latest update on upcoming projects.

Recent Projects

house

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Visit the Community News page for more!