Frequently Asked Questions

Questions about the Habitat for Humanity housing program?
We’ve got answers!

How long does it take to build a Habitat House?

The homebuying process with Habitat can take between 9-24 months. If you are homebuying process with Habitat for Humanity contact your local Homeowner Services staff with any questions.

What happens when I miss a mortgage payment?

If you anticipate not being able to make a mortgage payment call your mortgage servicer immediately to see what the consequences will be and if there are any programs available to help.

Where can I access my free credit report?

One of the first steps to homeownership is to check your credit report as soon as possible and correct any errors. By law, you can get a free copy of your credit report once each year from the three credit reporting agencies: Equifax, Experian and TransUnion. Click here to find out how to get a free copy of your credit report.

I got a job in another state and need to move, can I sell my Habitat house?

The short answer is yes, but you should learn what restrictions if any exist with your property. Talk with your local Habitat Homeowner Services staff with any questions.

Is it better to rent or own my home?

The answer depends on your life circumstances but owning can be an investment in your future. Click here to learn about the benefits of owning a home.

What if I don’t qualify for the Habitat program, what are other options for buying a home?

Yes, there are other options are out there. Click here to learn about choosing your homebuying team.

What is escrow and why do I have to pay it?

Escrow is a part of your mortgage payment that is separated out to pay taxes and insurance on your property on your behalf. To learn more about how escrow is calculated, collected, and applied click here.

My refrigerator broke, who do I call to fix it?

Unlike renting homeownership means the homeowner is responsible for all maintenance, including appliances. Click here to check out the home maintenance class series for videos on maintenance and repair around the home.

The Homebuyer Education Center is made possible thru a collaboration of several Habitat affiliates to bring first time homebuyers like yourself the resources you need to build financial confidence and know what to expect during the homebuying process.

This collection of short, online classes lets you get familiar with all aspects of homeownership on your own schedule and at your own pace.

Meet our Partner affiliates

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Am I Ready to Buy?
How the Homeownership Program Works
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