Homeowner FAQ

  1. Where does TPC Habitat for Humanity build homes?
  2. How can I apply?
  3. What do you count toward household income?
  4. My credit is bad, but I really want a home for my family. What can I do?
  5. Habitat has denied my application for homeownership in the past. Should I try again?
  6. Do I have to be a Christian to apply?
  7. Do we have to be married in order to apply?
  8. What percentage of applicants are accepted?
  9. How much will the house payment be?
  10. What if I do not have time to complete 500 sweat-equity hours?
  11. I am disabled and cannot do manual labor. Can I still apply?
  1. Where does TPC Habitat for Humanity build homes?

    TPC Habitat for Humanity builds homes in Tacoma, Lakewood, and other areas in Pierce County based on land availability. Homeowners do not get a choice about the location of their home. We also have a chapter in Gig Harbor and can refer you to them if you are interested in building in Gig Harbor or on the Key Peninsula.

  2. How can I apply?

    In order to apply for homeownership, you need to attend a Homeowner Application Meeting. At the meeting we will explain the Habitat program, hand out applications, and go over the application with you one-on-one. See the Event Calendar for upcoming dates and times.

  3. What do you count toward household income?

    Habitat uses gross household income to determine if a family meets the income guidelines. Any income that is documented and stable is included in household income. Documented and stable income includes wages, child support, SSI/SSA, TANF, and self-employment income.

    Any income that is temporary, unstable, or that cannot be applied towards housing is not used to determine if a family meets income guidelines. Income that cannot be applied includes food stamps, work study, and unemployment benefits.

  4. My credit is bad, but I really want a home for my family. What can I do?

    Call South Sound Outreach Services (253-593-2111) to speak to a credit counselor. You may also consider taking a Financial Education course with Tacoma Goodwill (253-241-0023).

  5. Habitat has denied my application for homeownership in the past. Should I try again?

    If you were denied based on changeable factors (e.g., insufficient job history or unfavorable credit), improving these aspects may qualify you for consideration. Many families are accepted on their second, third, or even sixth application!

  6. Do I have to be a Christian to apply?

    No. Habitat for Humanity is an ecumenical Christian organization, but we do not ask that our applicants be Christian. We do not discriminate based on religion.

  7. Do we have to be married in order to apply?

    No. You do not have to be married in order to be accepted into our program. However, all adults living in the Habitat home must be on the mortgage unless they are considered a dependent.

  8. What percentage of applicants are accepted?

    It varies depending on how many people show up to our application meetings. For people who are qualified - who meet our criteria for need, ability to pay, and willingness to partner - it is worth the effort. We currently select approximately 20 families per year.

  9. How much will the house payment be?

    We tailor house payments to be affordable for your family. We review your income and structure the mortgage so that it is appropriate for your finances. Mortgages will last from 15 to 30 years.

  10. What if I do not have time to complete 500 sweat-equity hours?

    The sweat-equity program is the cornerstone of the Habitat for Humanity vision - i.e., a hand up, not a handout. You must make time for the sweat-equity aspect to reach the goal of homeownership.

  11. I am disabled and cannot do manual labor. Can I still apply?

    Yes. If you are selected for homeownership and have verification of your disability, we will work with you to find other ways for you to participate and gain the 500 hours of sweat equity.