Aspiring Homeowners
If you're excited about becoming a Habitat homeowner and think you may meet our eligibility guidelines, the next step is to request an information packet. It contains everything you need to start the pre-application process, including required documents and release forms.
Please keep in mind that we only accept applications during certain times of the year, depending on housing availability and our construction schedule.
Too find out more about our current build site, Pointe Place, Click Here.
Who Can Apply?
To qualify for a Habitat home in Oconee County, families generally need to meet the following guidelines:
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Live in Oconee County for at least one full year before applying.
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Need better housing – Your current home should be overcrowded, in poor condition, unsafe, too expensive, subsidized, or otherwise inadequate for your family.
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Have steady, verifiable income that allows you to afford monthly payments (principal, taxes, and insurance).
→ If you work, you should have been in your current job for at least 6 months or show a history of steady employment.
→ You do NOT need to be employed – reliable income from Social Security, SSI, disability benefits, court-ordered child support, alimony, or similar sources also qualifies.
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Good credit standing – We cannot accept applications from families who are separated but not legally divorced, have unresolved debt judgments, or have recently filed for bankruptcy.
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Income within our range – Your total household income should fall between 40% and 70% of the Oconee County area median income (adjusted for family size; current guidelines are included in the information packet).
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Willingness to partner with Habitat – Approved families agree to:
→ Complete 250 hours of “sweat equity” (helping build your home and others – friends and family can help with some of the hours).
→ Make monthly mortgage payments on time.
→ Attend free classes on budgeting, home maintenance, and successful homeownership.
How to Apply
Ready to get started?
If you meet the eligibility guidelines:
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Request an Information Packet
Call (864) 888-2118. Applications are accepted only during open periods (based on home availability). -
Submit Pre-Application
We’ll review your income, credit, debt, employment/income sources, and landlord references. -
Home Visit
Two committee members will visit your current home to assess housing need and verify information. -
Formal Application & Orientation
If approved so far, complete the full application and attend a short orientation session. -
Final Approval
The Family Selection Committee recommends families to the Board of Directors for final approval.
Timeline
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Approval process: 4–5 months
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From approval to move-in: total 24–30 months (includes sweat equity and construction)
Selection is fair and impartial—we do not discriminate based on race, color, religion, national origin, sex, marital status, age, or source of income.
Questions? Call (864) 888-2118 anytime!
Equal Credit Opportunity Act: Creditors may not discriminate based on race, color, religion, national origin, sex, marital status, age, public assistance income, or exercise of consumer rights (Federal Trade Commission, Washington, D.C. 20580).
