Application process

We are pleased to announce that the 15 homes that we have under construction or in pre-development have all been sold to qualified, first-time homebuyers.Together with our community of donors and volunteers, Habitat has built and sold more than 130 homes here in Albany and Rensselaer counties.

Habitat now only accepts applications when we have homes available for sale. Applications for the Habitat program require supporting documentation and time to complete, so we don't want to require this investment until we have an available home to sell.

When new homes are available, we will post the application here. 

Updated 7-26-18

 

The application process

When we have homes available for sale, we will announce the application period on our website and to our mailing list. Sign up here to be notified when our next application process opens.

During an open application period, you may submit a completed application to Habitat, which we will then review to see if you meet our program requirements. Applicants who meet our program requirements will then apply for a mortgage loan with one of our local banking partners. All Habitat homebuyers go through rigorous screening including credit and background checks, employment verification and landlord references. Once approved for a mortgage, you will sign a partnership agreement with Habitat and begin your journey to homeownership.

 

The homeownership process

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After you sign your partnership agreement, we will provide you with a comprehensive homebuyer handbook that describes every step of the process. In general, it takes about 8-12 months from the time you sign your partnership agreement to when you purchase the home and receive your keys. We will help you navigate the journey to homeownership, including the signing of the real estate contract, completing your mortgage loan application, establishing a savings account, completing your sweat equity requirement, completing homebuyer education coursework, applying for down payment assistance, purchasing homeowner's insurance and preparing to purchase your home. 

 

For more information, please contact us at homes@habitatcd.org or (518) 462-2993.


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Habitat for Humanity follows a nondiscriminatory policy of family selection. We are pledged to the letter and spirit of the U.S. policy for the achievement of equal housing opportunity throughout the nation. We encourage and support an affirmative advertising and marketing program in which there are no barriers to obtaining housing because of race, color, religion, sex, handicap, familial status, or national origin.