needs a foundation to build a future
Enrollment for Homeownership is Closed
Thank you for your interest in applying for a Beaches Habitat for Humanity home.
Unfortunately, we are not accepting applications at this time. You can let us know that you're interested in applying for the program by using the button below.
This is not an application or a waiting list! By entering your contact information, you are giving Beaches Habitat permission to email you when the application process begins.
After entering your contact information, please be sure to check your email. You will receive an email confirming that you want to receive messages from Beaches Habitat. If you do not click on the confirmation link in the email, you will not receive any future emails. Please check your spam folder if you don't see an email from Beaches Habitat in your inbox!
Where We Build
The map at right outlines our service area and is available for your convenience. Please note, while we have done our best to make the map accurate, Beaches Habitat will determine if you are eligible for our programs.
Through a partnership with sponsor organizations, a future Habitat homeowner, and volunteers, we are able to build new, affordable homes. The homes may be part of a neighborhood with many Habitat homes or on infill lots. Learn more.
Beaches Habitat purchases homes on the open market, renovates them, and sells them to an approved Habitat homeowner. We use the same selection process to select owners for rehabbed homes as we do for new homes. Learn more.
In partnership with BEAM, Beaches Habitat will repair and/or modify owner-occupied homes for Beaches residents, ago 60+. Learn more.
New Home Construction
Through a partnership with sponsor organizations, a future Habitat homeowner, and volunteers, we are able to build new, affordable homes.
Beaches Habitat purchases homes on the open market, renovates them, and sells them to an approved Habitat homeowner.
Senior Home Repairs
In partnership with BEAM, Beaches Habitat will repair and/or modify owner-occupied homes for Beaches residents, age 60+.
Current and Upcoming Sites
If you'd like to learn about what we're working on, follow the link below to check out plans, neighborhood info, and more.
Homes in Progress
Each month, we share an update on our construction progress. The link below will take you to a collection of past posts.
Frequently Asked Questions
Families in need of decent, affordable housing apply for homeownership with their local Habitat for Humanity.
At Beaches Habitat, our family selection committee considers the following criteria:
- The applicant’s residency,
- their need for housing,
- their willingness to partner with Beaches Habitat, and
- their ability to repay a mortgage through an affordable payment plan.
As part of their willingness to partner, Beaches Habitat’s homebuyers invest hundreds of hours of their own labor, called sweat equity, working alongside volunteers and other Beaches Habitat homeowners.
Habitat for Humanity follows a nondiscriminatory policy of family selection. When choosing Habitat's homeowners, we seek qualified candidates in a manner that does not unlawfully discriminate against any person because of race, color, religion, gender or gender expression, marital status, age, national origin, physical or mental disability, sexual orientation, veteran/reserve/national guard status, or any other status or characteristic protected by law.
The labor of volunteers and future homeowners, efficient building methods, modest house sizes, and no-profit loans make it affordable for low-income families to purchase Habitat houses.
Financial and in-kind contributions from community- and faith-based organizations, corporations, and individuals, as well as grants from the government and private sector, are also important to make building affordable homes sustainable.
When homes become available, a form ("pre-questionnaire") will be available to express interest in homeownership. Those who complete the pre-questionnaire will be entered into a lottery for applications.
Please visit our Homeownership page for more information on the process.
To be eligible, applicants must have a credit score of 640 or higher.
Applications require a hard pull of your credit report. Credit history and monthly debt obligations will be reviewed.
“Sweat equity” is Habitat’s term for the volunteer labor that homeowners contribute to building their homes and the homes of their neighbors, as well as the time they spend in financial and homeowner education courses. Future homeowners are required to complete sweat equity as part of their qualification for our program.
Sweat equity can be fulfilled through a combination of class participation, construction activities, and other pre-approved volunteer opportunities. Individuals with a documented medical need may have access to alternative options for sweat equity hours through a partner organization.
Sweat equity requirements are as follows:
- Single mortgage holder - 300 hours
- Double mortgage holder - 200 hours each
- Household members, age 18 and older - 100 hours each
Yes. Applicants must have a gross income of 60%-80% of Area Median Income based on household size. Income guidelines are subject to change and will be updated as required.
A homeowner's monthly payment will include the mortgage payment, homeowner's association dues, homeowner's insurance, and property taxes. The mortgage terms will be adjusted so that the total payment does not exceed 30% of a household's gross monthly income.
No. Part of the willingness to partner criteria includes accepting the home that is assigned to you by Beaches Habitat for Humanity.
Beaches Habitat for Humanity does business in accordance with the Federal Fair Housing Law. We are pledged to the letter and spirit of the U.S. policy for the achievement of equal housing opportunity throughout the nation. We encourage and support an affirmative advertising and marketing program in which there are no barriers to obtaining housing because of race, color, religion, gender, gender expression, marital status, age, national origin, physical or mental disability, sexual orientation, veteran/reserve/national guard status, or any other status or characteristic protected by law.
Equal Opportunity Employer
Beaches Habitat for Humanity, Inc. is an equal opportunity employer and seeks to employ and assign the best qualified personnel for all our positions in a manner that does not unlawfully discriminate against any person because of race, color, religion, gender, gender expression, marital status, age, national origin, physical or mental disability, sexual orientation, veteran/reserve/national guard status, or any other status or characteristic protected by law.