Step 1: Homeownership Information Session

A completed application includes completion of the virtual Loudoun Habitat for Humanity Homeownership Information Session. Anyone interested in the Loudoun Habitat for Humanity Homeownership program must complete the course in order for an application to be complete.   

During the virtual course, you will learn about:

  • The Habitat for Humanity program.

  • The guidelines and program requirements for applicants.

  • Tools to help you examine your finances as you consider homeownership.

Step 2: Application

During the open application process, individuals interested in homeownership may apply. Please review the program qualifications before applying.

Step 3: Home Visit

Loudoun Habitat for Humanity reviews each application received for completion and financial eligibility. If financial eligibility requirements are met, a home visit will be scheduled. The home visit is an opportunity for Loudoun Habitat for Humanity representatives to assess the need for affordable housing and willingness to partner, which are factors in the decision to approve an application.

Step 4: Presentation to the Loudoun Habitat Homeowner Services Committee

Following the home visit, if it is established that there is a demonstrated need, a willingness to partner with Loudoun Habitat, and the ability to pay an affordable mortgage, the application will be presented to the Loudoun Habitat for Humanity Homeowner Services Committee to make the final decision of partnership.

Step 5: Partnership Begins

After an application has been approved by the Loudoun Habitat Homeowner Services Committee, applicants will attend the mandatory Homeowner Orientation where they will be presented with the Homeowner Agreement to review and sign. At this point applicants become future homeowners.

Step 6: Sweat Equity Begins

Sweat equity (SE) is a core tenet of Habitat’s ministry. Habitat for Humanity is a partnership housing program. Through sweat equity, future homeowners have a chance to build skills in financial management and home maintenance and to invest physically and emotionally in Habitat's mission. Sweat equity is an exciting cornerstone of the Habitat ministry designed to meet three important goals:

· Partnership

· Pride in homeownership

· Development of skills and knowledge

Future homeowners are required to complete a minimum number of sweat equity hours including participation in homeowner educational classes.

Step 7: Home Search and Selection

Loudoun Habitat works with future homeowners to select a home in Loudoun County that fits the size of the household and affordability of the homeowners. Habitat homes are either built or renovated using volunteer labor to be safe, functional, and affordable homes. 

Step 8: Home Dedication and Closing

Once sweat equity requirements have been met, and all home building and/or home renovations have been completed, the future homeowners are presented the keys to their home during a special dedication ceremony.  Following the dedication, a home loan is finalized at a settlement meeting and the family moves into their newly purchased home.

 

 
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