At habitat, our Family Services will be with you at every step of your homeownership journey, providing education, guidance, and personalized support along the way. We'll help you achieve the dream of owning a safe, quality-built home you'll be proud to call you own - with low monthly mortgage payments.
Start your homeowner journey Today!
Take the Pre-assessment to see if you meet pre qualification. All applications will be added to the waitlist.
Qualifications
First-time homebuyer
No outstanding liens or judgements
Check here to find out if you have outstanding judgements or liens
You must be able to open a TDECU bank account
200 partnership hours
Through volunteering and homeowner education.
Income 35%–80% of area AMI
Monthly income must fall within your county's Area Median Income range. Check AMI for your county here
Must Have lived in our service area within the past 12 months
Service area includes Goliad, Dewitt, Jackson, Lavaca, Victoria and Calhoun counties.
Do I qualify?
To qualify for Habitat's homeownership program, your monthly household income must fall between 35% and 80% of your county's Area Median Income.
"I thank God for this opportunity and for allowing me to meet and work side by side with others that see the beauty that Habitat grows in the hearts of anyone who participates in the program." - Ashley
The Mortgage
Every Habitat homeowner carries an affordable mortgage which must be repaid over a 30-year period. Golden Crescent Habitat for Humanity guarantees that monthly payments will equal no more than 30 percent (Federal guidelines for affordability) of their income at the time of purchase, leaving adequate income for other necessities such as food, clothing, transportation and health care.
Ready to Apply?
Take the Pre-assessment to see if you meet pre qualification. All applications will be added to the waitlist.
Required Documents
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- Utility bills in your name (electric, gas, phone, cable, etc.).
- Rent Receipts
- Loans (including student loans/credit cards/car payments, etc.)(must show remaining principle balance)
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- Previous two years Income Tax Returns and proof of filing for each year required.
- From employer: 1099 or W2
- Payroll stubs for the past three months
- Bank Statements from past three months
- SSI letter stating amount of monthly payments
- Social Security Administration letter verifying disability and amount of monthly payments
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- Current residential lease agreement
- Driver's License/ID
- Social Security Card
- Divorce decree
- Court order for Child Support and record of payment for 12 consecutive months
What it means to be a habitat homeowner
Have Questions?
