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Selection Criteria

Become a Homeowner

How Habitat's Program Works

People just like you from Kanawha and Putnam counties partner with Habitat to build and finance a place they can call home. Habitat homeowners learn home maintenance skills and budgeting strategies as part of our program, and they help build their new homes alongside volunteers. Once construction is complete, Habitat homeowners pay an affordable, zero-interest mortgage.

We use three criteria to determine whether or not a homebuyer is ready to take part in our Homeownership Program:

  • Need.

    Many people throughout our region are living in houses, apartments, and mobile homes that are overcrowded, too expensive, structurally unsound, or located in a dangerous neighborhood. "Need" can mean a lot, and we encourage all homebuyers to reach out to us and learn more about how Habitat may be able to help. Keep in mind that our Habitat affiliate only builds new homes. We are unable to provide renovations or repairs to existing homes.

  • Willingness to partner.

    Habitat homebuyers are required to learn basic home maintenance skills by attending our nine-week Master Homeowner Program. They also learn to eliminate debt and manage their money by attending Financial Peace University classes at our community center in Charleston. Habitat homebuyers then invest "sweat equity" into their future home by helping with construction. Habitat's program creates successful, life-long homeowners, but they must be willing to partner with us for success.

  • Ability to pay.

    Before partnering with Habitat, homebuyers must show documentation that they are able to afford a monthly mortgage payment.

Let Habitat Help

Before submitting an application packet, homebuyers are encouraged to contact our Homeownership Director, Anne Plott, for guidance about the application requirements and the submission process. 
Office Phone:  304-720-0141 ext.12

Habitat uses a short online quiz to determine if a homebuyer meets the initial criteria to partner with Habitat. 

Click here to see if you pre-qualify.