How it works

How it works

How it Works-Please View Before Applying

Inquiries open for our 2027 build.

Click here for information about our development and home plans.

Please read below to see if you qualify.

  1. Review the requirements and income qualifications here by clicking here or Haga clic aquí para la versión en español. please insure you meet our income qualifications prior to submitting the inquiry form.

  2. Fill out the inquiry form below to determine eligibility.

  3. Our Program Manager will be in touch on your eligibility and if you are, send a full application.

  4. Work with a lender participating in the Oregon Flex Loan program on your pre-qualification letter. Click herefor a list of recommended lenders that work with Oregon Flex Lending.

  5. Attend a Habitat Homeownership Information Session.

  6. A small Applicant Team will work with you throughout the process.

  7. Go through a financial review and sign a Partnership Agreement Letter explaining in writing the conditions of Habitat approval. Once you qualify, you will become a Habitat Partner and be approved for housing.

  8. Attend NeighborImpact Financial Management and Homeowner classes, and complete the Sweat Equity volunteer requirement (working at ReStore, build site, and others offered by HFHLPS.)

  9. Sign mortgage papers and move into your new home.

Interested in starting the homeownership process?

Fill out the information below and our Program Manager will be in touch. See the chart for income minimums and maximums based on your household size.

 FAQs

  • Habitat homes are very reasonably priced compared to alternatives. There are several variables including construction costs, interest rates and availability of grants and donations that affect the final cost of the home and your monthly mortgage payment. Your monthly payment will include principal, interest, property taxes and home insurance. There are also HOA dues which are a separate payment.

  • Every situation is different, but on average it takes 12-24 months from approval to move in.

  • Habitat requires 400 hours of Sweat Equity volunteer labor per household. The homeowner(s) must complete between 150-250 hours themselves depending on the size of the household, and family and friends can assist with the remaining hours. The work can be fulfilled at the build site, the Habitat Restore in La Pine, and other activities defined by Habitat.

  • There is no down payment, and you will be expected to contribute between $1,000 and $1,700 to closing costs depending on the time of approval and your income level. Matching programs are usually available to help make up the balance of closing costs.

  • The adults and children listed on the application are considered your household. The combined total gross income of these individuals must be less than 80% of the Area Median Income (AMI) and more than 60% AMI to meet Habitat guidelines. Beyond that, additional persons such as adult children and grandchildren as examples can live with you in your townhome. Keep in mind that the townhomes are approximately 1500-100 square feet with 3 bedrooms and 2 baths, including a single car garage.

  • Habitat’s goal is to make construction costs as low as possible to minimize monthly mortgage payments. As a result, there are a limited number of selections you can make in customizing your home. These options are presented to you after you have been approved for a Habitat home.