Apply for Homeownership

Application Process

Saginaw-Shiawassee Habitat for Humanity is currently accepting applications for Homeownership.  Please contact Evelyn Moten at 989-753-5200 x 220 to begin the process for Homeownership.

Step 1: Contact Evelyn Moten

Step 2. Complete Pre-Assessment 

The Pre-Assessment will determine if you are ready for homeownership now or if you will need to prepare to apply by working with a housing counselor to improve your financial picture so you can qualify for a mortgage.

Step 3: Board of Directors Approval

Once the applicant has improved his/her/their credit, the household is then ready for approval by the Board of Directors.

After Board Approval

Sweat Equity Hours

Households with one adult will complete 250 hours of sweat equity. Households with two adults complete 400 hours of sweat equity. The hours will be met through participating in Housing Counseling, Housing Education, Home Maintenance Classes and meetings as well as contributing hours to the construction or rehab of a home.