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every family

needs a foundation to build a future

Enrollment is Closed

Thank you for your interest in applying for a Beaches Habitat for Humanity home.

We are not accepting applications until further notice.

Read on for more information about qualifying for an affordable mortgage.

Where We Build

Applicants for a Beaches Habitat for Humanity home or repair project must be within our service area. Home applicants must live or work within our service area for at least one year. Repair project applicants must own and occupy their home within our service area.

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.

Our Services

Home under construction

New Home Construction

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.

Rehabbed Home

Rehabs

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.

Owner Occupied Repairs

Beaches Habitat repairs homes owned by low- to moderate- income families. Volunteer teams and Beaches Habitat staff work with the homeowners to make repairs that they wouldn't be able to afford otherwise.

Frequently Asked Questions

How does Habitat for Humanity homeownership work?

Families in need of decent, affordable housing apply for homeownership with their local Habitat for Humanity.

Each local Habitat’s family selection committee selects homeowners based on three criteria:

  • The applicant’s level of need.
  • Their willingness to partner with Habitat.
  • Their ability to repay a mortgage through an affordable payment plan.

As part of their willingness to partner, Habitat’s homebuyers invest hundreds of hours of their own labor, called sweat equity, working alongside volunteers and other 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.

What makes a Beaches Habitat for Humanity home affordable?

  • Donations from community and faith based organizations, as well as corporations
  • Individual donations
  • Volunteer labor
  • Grants from the government and private sector
  • An affordable mortgage

How do I get an application for a home?

During enrollment periods, applications are distributed at the Beaches Habitat administrative office.

We are not accepting application until further notice. Please visit our Homeownership page for updates.

Does my credit have to be perfect?

No, however, applications do require a hard pull of your credit report. Credit history and monthly debt obligations will be reviewed.

What is sweat equity?

“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

Are there income requirements?

Yes. Please see the Selection Criteria section of our Homeownership page for income guideline. Income guidelines are subject to change.

If I'm approved, how much will I pay for my home each month?

A homeowner's monthly payment will include the mortgage payment, contribution to a home repair escrow, homeowner's association dues, homeowner's insurance, and property taxes. The terms of the mortgage will be adjusted so that the total payment does not exceed 30% of a household's gross monthly income.

If I'm approved, do I get to choose where I live?

No. Part of the willingness to partner criteria includes accepting the home that is assigned to you by Beaches Habitat for Humanity.

Our Partners

Equal Housing Opportunity

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.