Be A Homeowner

Habitat for Humanity is an ecumenical Christian organization that builds homes in partnership with low-income working families. With the generous support and volunteer participation of churches, businesses, individuals and civic groups, we are able to provide families with the life-changing opportunity of purchasing a decent, affordable home.

In Tennessee, we have 51 Habitat for Humanity affiliates serving 63 counties. Each Habitat affiliate is a locally run, independent, nonprofit organization that coordinates all aspects of the home building in its service area, including partner family selection.

If your family, or a family you know, is in need of decent, affordable housing, please contact your local Habitat for Humanity to apply. The local Habitat affiliate will explain the application process and provide information on the availability, size and cost of Habitat homes in your area. To find the Habitat affiliate serving your area, click here to choose your county.

Each Habitat affiliate selects “partner families” to become Habitat homeowners. Habitat for Humanity follows a nondiscriminatory policy of family selection. Neither race nor religion is a factor in choosing partner families. Partner families are always selected based on their level of need, ability to pay and willingness to partner.

Applicants are required to meet several qualifications to ensure success. Each Habitat affiliate has its own guidelines. In general, prospective homeowners must:

  • Be citizens or legal residents.
  • Prove steady income.
  • Have good credit.
  • Earn a monthly income that falls within minimum and maximum limits, depending on household size.

In addition, each partner family will be required to:

  • Invest sweat-equity hours in building his/her home and others.
  • Make an affordable down payment.
  • Make timely mortgage payments.
  • Attend homeowner education classes.

As Habitat homeowners repay the cost of their home by making monthly mortgage payments, these funds are put into a “fund for humanity” to build even more Habitat homes.