Step One | Learn about Homeownership

General Eligibility

We are an equal housing opportunity provider and do not discriminate based on family status, disability, or marital status. You may apply as long as you meet our three main criteria:

1. A need for housing
2. An ability to repay the mortgage
3. The willingness to partner with Habitat for Humanity  

Program Requirements

• To be eligible, you must be either a U.S. Citizen or have a valid permanent resident card (green card).
• Both spouses must meet the citizenship or permanent residency requirements to qualify.
• You must have a finalized divorce decree in order to apply. To protect our investment, we cannot accept applications from individuals in the process of divorce who are still legally married, even if they are legally separated.

Employment & Income

• You must be employed for at least one year, or two years as an independent contractor. You must have been employed for at least three months with your new employer before applying. If you are changing positions with the same employer, you may apply immediately. 
• Court-ordered child payments made consistently can count towards your income.
• Bankruptcy
  • Chapter 7: You may apply three years after discharge.
  • Chapter 13: You may apply seven years after discharge. 
• The Debt-to-Income (DTI) ratio is a more important consideration than credit scores, though the credit report is part of the application process. 

Property Ownership & History

• You can apply if it has been at least three years since your previous property was sold, removed from your name, or awarded to another party in a divorce. You can apply if you were a previous Habitat Homeowner. 

Fauquier Habitat for Humanity will provide to all applicants equal opportunity to obtain housing regardless of religion, race, color, gender, physical or mental disabilities, national origin, or familial status. FHFH will not discriminate in providing opportunity for sale or financing of housing and will assist all persons who feel they have been discriminated against because of religion, race, color, gender, physical or mental disabilities, national origin, or familial status to seek equity under federal and state laws by providing information on how to file a complaint with the Virginia Human Rights Commission.