Tired of renting? Affordable homeownership may be right for you. Habitat partners with people to help them build a place they can call home. Homeowners work alongside volunteers to help build their own homes, which they then purchase with an affordable mortgage.



What we build

Habitat builds new homes and rehabilitates vacant homes for first-time homebuyers. We work with our homebuyers to secure an affordable mortgage from one of our local banking partners. The typical housing payment for a Habitat home with 3-4 bedrooms is between $600 and $800 a month— less than many people pay for rent! We provide pre-purchase counseling and support services for our homebuyers to make sure they will be successful in their new home.

We do not offer home repairs for owner- or renter-occupied homes, nor do we provide grants for housing or home repairs. Habitat does not own or manage any rental properties.


Where we build

Habitat is committed not just to building homes, but to building community. We prioritize our construction efforts within focus neighborhoods to maximize our impact. Currently, we are focusing our construction in Albany’s Sheridan Hollow and South End neighborhoods and the North Central Troy neighborhood.

At this time, all of Habitat's available homes are located in Troy. All homes under construction in Albany are sold and under contract.


Qualification criteria


You must be a legal permanent resident or citizen of the United States and have lived or worked in Albany, Rensselaer or Southern Saratoga County for at least the past year.


Must not have owned a home in past 3 years and currently be living in substandard, subsidized, or unaffordable housing.


Must have proof of steady income and satisfactory credit history; have no accounts in collection, no charge-offs or unsatisfied public records; and no bankruptcies in the last 4 years.


All homebuyers must complete 250 hours of “sweat equity” and homebuyer education.


How to apply

Are you ready to apply for a Habitat home? We are here to help guide you every step of the way, and if we can’t help your current situation, we will refer you to an agency or organization that can.


The first step toward purchasing a Habitat home is to complete our eligibility questionnaire. You can complete the questionnaire online below or in person at the Habitat office. Once you complete your questionnaire, a member of our team will be in touch with you within 5 business days to discuss your answers and the next steps.  If you have any questions during the process, please call the Habitat office at (518) 462-2993 x107 to leave a message for someone in our Homeowner Services department.

If your answers indicate that you are eligible to continue the application process, you will be invited to submit a full application and supporting documentation.



If you are eligible to apply for a home at this time, we will provide you with a full application to complete. You will have three weeks to return it to our office along with the required documentation. Once we review your application, we will determine whether or not you qualify for the Habitat program. If you do, we will help you obtain an affordable mortgage loan from one of our banking partners. All Habitat homebuyers go through rigorous screening including credit and background checks, employment verification and landlord references.



Don’t worry! Our staff will help identify the obstacles in your path to becoming a Habitat homeowner, and we will refer to you agencies and organizations that can help you resolve those issues. Our community partners are available to help you repair your credit, organize your finances and resolve your emergency housing situations. Once those obstacles are removed, you are welcome to come back and apply.

We are currently building new homes in Albany’s Sheridan Hollow neighborhood and restoring existing homes in both Albany and Troy.



For more information on homeownership with Habitat, please contact:

Homeowner Services
(518) 462-2993