Homeownership

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Interested in learning about our homeowner program?

Greater Albuquerque Habitat for Humanity provides affordable Mortgage loans. Monthly mortgage payments are typically around 30% of the homeowner’s gross monthly income. Habitat homes are sold to first time home buyers and are not connected with any rental assistance program.

To qualify, applicants shall have at least 2 years of stable income ranging from 30% to 60% of Bernalillo County’s median income. Accepted applicants are required to contribute at least 350 hours of “sweat equity,” which includes volunteering at the construction site, helping at the ReStore, and completing a financial education course.

Each family is evaluated on need for housing, ability to pay & willingness to partner. 

Do I Qualify?

To qualify for our program, you must answer “YES” to all of the following questions:

  1. Have you lived or worked in Bernalillo County for the past year?

  2. Are you a U.S. Citizen or Lawful Permanent resident?

  3. Do you have 2 years of stable income with no employment gaps?

  4. Can you provide a 12-month rental payment history?

  5. Does your gross income fall between the guidelines? Click HERE to view the HUD income requirements. *Please note: this chart is based on gross income, your income before taxes.*

  6. Are you a first-time homebuyer?

  7. Are you willing to consent to a background, credit, and sexual offense check?

  8. Are you willing to Partner? Applicants will need to do a minimum of 350 sweat equity hours of volunteer work on their home.

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