Homeownership

Homeownership

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Habitat for Humanity provides a unique opportunity for hardworking people and families to build and buy their own homes. Our houses are sold at no profit to our partner homeowners with an affordable mortgage. The mortgage lengths vary depending on income; Habitat adjusts the length of the mortgage so that the monthly mortgage payment (which includes taxes, insurance, and condo fees, if applicable) is no more than 30% of the homeowner’s gross monthly income at the time of sale. Habitat for Humanity homeowner mortgage payments are put into a revolving fund that helps pay for construction of future houses in the Portland/Metro East community.

The pre-approval selection of homeowners who will purchase houses from Habitat for Humanity Portland/Metro East is done by the Family Selection Committee in a way that does not discriminate because of race, color, religion, sex, handicap, familial status, sexual orientation, age, gender identity or national origin. We also do not discriminate because all or part of the applicant’s income is derived from public assistance programs.

If you are an applicant with a disability and need to request accommodations to access any of our services, please contact the Homeownership Department at 503.287.9529.

Habitat for Humanity provides a unique opportunity for hardworking people and families to build and buy their own homes. Our houses are sold at no profit to our partner homeowners with an affordable mortgage. The mortgage lengths vary depending on income; Habitat adjusts the length of the mortgage so that the monthly mortgage payment (which includes taxes, insurance, and condo fees, if applicable) is no more than 30% of the homeowner’s gross monthly income at the time of sale. Habitat for Humanity homeowner mortgage payments are put into a revolving fund that helps pay for construction of future houses in the Portland/Metro East community.

The pre-approval selection of homeowners who will purchase houses from Habitat for Humanity Portland/Metro East is done by the Family Selection Committee in a way that does not discriminate because of race, color, religion, sex, handicap, familial status, sexual orientation, age, gender identity or national origin. We also do not discriminate because all or part of the applicant’s income is derived from public assistance programs.

If you are an applicant with a disability and need to request accommodations to access any of our services, please contact the Homeownership Department at 503.287.9529.

What is sweat equity?

Future homeowners are required to perform a minimum of 300 hours of volunteer work known as “sweat equity” within the Habitat organization before moving into their house. Sweat equity is an exciting learning experience in which families work with friends, family and neighbors to build their house as well as neighbors’ houses. Besides working on the construction site, there are many other ways to complete sweat equity hours such as working at the ReStore, helping with homeowner outreach, and attending homeowner education classes.

Qualify & Apply

Barker_portrait

Interested in becoming a homeowner? Here you can learn the criteria for qualification and how to apply to become a Habitat partner. Learn more »

Homeownership FAQ

Habitat Rock the Block

Before making a phone call or sending an e-mail, take a look at some of the common questions people have about our homeownership program. Learn more »

Resources

Mom helping with homework/Bakersfield, California/1.4MB

Whether you’re a Habitat homeowner, home repair family, or just a member of the community looking for help, we’re here for you. Click through for local housing and family resources. Learn more »

Future Homeowners

Lents Dedication

Meet the Portland families who have recently started their journey into homeownership! Learn more »