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 in the process of reviewing prequestionnaires in preparation for our upcoming lottery. Please check back for information about future homeownership opportunities.

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

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. Learn more.

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. Learn more.

Senior Home Repairs

In partnership with BEAM, Beaches Habitat will repair and/or modify owner-occupied homes for Beaches residents, ago 60+. Learn more.

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. 

Rehabbed Home

Rehabs

Beaches Habitat purchases homes on the open market, renovates them, and sells them to an approved Habitat homeowner. 

Home with wheelchair ramp

Senior Home Repairs

In partnership with BEAM, Beaches Habitat will repair and/or modify owner-occupied homes for Beaches residents, age 60+.

Our Projects

Current and Upcoming Sites

Learn more about what we're working on, including plans, neighborhood information, and more.

Homes in Progress

Each month, we share an update on our construction progress. Check out our most recent posts.

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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.

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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

How does Habitat for Humanity homeownership work?

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.

What makes a Beaches Habitat for Humanity home affordable?

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.

How do I get an application for a home?

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.

Does my credit have to be perfect?

To be eligible, applicants must have a credit score of 620 or higher.

Applications 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. 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.

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

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.

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.