HABITAT HOMEOWNERSHIP

                                                                                        We empower through shelter. 

             West Orange Habitat makes housing affordable for those who may not be able to otherwise achieve homeownership.


                      Homeownership interest begins by attending an orientation which are typically held twice per year. Please complete the below interest form and we will notify you of the next orientation when it is scheduled.


WEST ORANGE HABITAT FOR HUMANITY partners with families whose income levels are not high enough to qualify for other homeownership programs. We partner with hard-working, low-income families and the community to build safe, decent homes with affordable mortgages. At the same time, we prepare our Habitat families to be successful, long-term homeowners. If you are interested in homeownership, please review the criteria on this page to learn more about the program and if it’s right for you. 

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Qualify WITH A HOUSING NEED

You may qualify for homeownership if:

  • You are unable to qualify for homeownership through other conventional means

  • You have lived in West Orange County for at least the last 12 months

  • You have had the same job or source of verifiable income for at least the last 6 months

  • Your current housing is:

    • Inadequate: Lack of adequate housing may include problems with the present structure such as: water; electrical or sewage service systems; heating system; hazardous; poorly maintained (substandard); or failure to meet city property maintenance standards.

    • Overcrowded: Overcrowded conditions take into consideration the make-up and size of your household compared to the number of bedrooms in your home.

    • Transitional: Transitional housing includes living with family members or a friend or other temporary housing arrangements. 

    • Government Subsidized: Your current household rental costs are subsidized by housing programs such as Section 8 or other Low Rent Programs.

    • Unaffordable: Unaffordable housing exists if the current monthly rent you pay is greater than 30% of your monthly

      household income. 

Ability to REPAY a no interest mortgage

You and your family will be considered if your total income is between 25% and 80% of the area median income for Orange County as set by the United States Department of Housing and Urban Development (HUD). The income eligibility criteria varies based on family size and is updated annually. For 2019, the allowable range of total income is as follows:

         Household size                           Minimum household income                   Maximum household income

         Household of 2                                             $12,800                                              $40,960

         Household of 3                                             $14,400                                              $46,080

         Household of 4                                             $15,975                                              $51,120

         Household of 5                                             $17,275                                              $55,280

         Household of 6                                             $18,550                                             $59,360

         Household of 7                                             $19,825                                              $63,440

A prospective homeowner partner must be able pass a background and credit check and demonstrate credit worthiness in accordance with also be able to demonstrate credit-worthiness in accordance with West Orange Habitat requirements.

Willingness to Partner

If you are approved by West Orange Habitat as a prospective homeowner partner you must: be willing to:

  • Live in the home provided by West Orange Habitat and timely pay an affordable, no-interest mortgage.

  • Contribute 300 to 400 sweat equity hours in the construction of your home or others

  • Successfully complete Homeowner Education Workshops provided by West Orange Habitat.

PLEASE complete form below and PLAN TO ATTEND OUR NEXT COMMUNITY ORIENTATION TO LEARN MORE

If you are interested in learning more about homeownership opportunities available through West Orange Habitat, please:

  1. Complete and submit the form below and you will be added to our invitation list for the next orientation

  2. Arrive on time to attend the homeownership community orientation and stay for the duration of the presentation. Ample opportunity will be given for questions and answers. Applications will be distributed at the conclusion. 

 Please complete and submit the below form to receive an invitation for the next scheduled orientation. Please check this website later for future dates of orientations.