The need for quality, affordable housing is the most important factor in the selection of a family. Need may be determined based on any of the following reasons:
Potential Habitat homeowners must commit to partner with Habitat Birmingham in the following ways:
Ability to Repay Mortgage
Applicants must have the ability to pay for expenses related to home ownership including: property upkeep and monthly mortgage payments. This is generally determined by:
Habitat Birmingham staff do not select applicants. Applicants who appear to meet initial requirements are forwarded to a volunteer Family Selection Committee for thorough review and recommendation. Habitat Birmingham then conducts personal home visits and interviews with prospective home buyers who have been recommended by the Committee. Each approved prospective home buyer and Habitat Birmingham are required to sign a Partnership Agreement.
Applicants must reside in Jefferson, Shelby, Walker, or St. Clair counties for a minimum of one year prior to applying and must show proof of legal residency.
Mail paper applications to: Habitat for Humanity Greater Birmingham, PO Box 540 Fairfield, AL 35064
Frequently Asked Questions
How long does it take to become a homeowner? On average, after approval, twelve months. Time may vary depending on how quickly the potential home buyer can complete the program qualifications and resources available.
How much does a Habitat house cost? Houses are sold with no interest to approved applicants. Habitat Birmingham holds the mortgage and escrows for termite bond, insurance, taxes, and fire dues. Cost varies based on house size, insurance cost, and taxes.
Who is eligible for Habitat Birmingham’s Housing Program? Habitat for Humanity does not discriminate and follows the equal housing, fair credit and lending acts in regard to building houses and selecting families who meet outlined qualifications.
Notice: The Federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, age (provided the applicant has the capacity to enter into a binding contract); because all or part of the applicant’s income derives from any public assistance program; or because the applicant has in good faith exercised any right under the Consumer Credit Protection Act. The Federal agency that administers compliance with this law concerning this creditor is the Federal Trade Commission, Washington, DC 20580