homeownership
getting started
If you qualify based on this quiz, you can submit your pre-application by entering your contact information and answering a few more questions about your income and those living in your home. It should only take a few minutes and you’ll be on your way to becoming a homeowner with an affordable mortgage!
If you don’t want to fill out an application online – no problem! You can email [email protected] to request further information.
Select an option below to see if you qualify. We are accepting pre-applications for Preston & Marion Counties.
Preston County
Marion County
application process
Fill out our application and return it to us by the due date listed.
Use our document check-list to make sure you provide all of the documents needed for our application. Be sure to send them with the completed application by the due date.
Once we recieve your application, we will calculate your income and pull a credit report.
Your criminal background, employment history and rental history are verified.
Your application will be sent to the Family Selection Committee for review. You will be contacted one way or another regarding if your application was approved or not.
As the committee only meets once a month, please look to hear a response within 30 days from when you submit the application.
While our process isn’t speedy, if you successfully complete our program you will have the opportunity to own your own home for a lower monthly payment than you might pay to rent even a substandard home.
additional info & FAQ's
Families/individuals in need of decent, affordable housing apply for Habitat’s Homeownership Program. The Family Selection Committee selects applicants based on three criteria:
- The applicant’s level of need.
- Their willingness to partner.
- Their ability to pay an affordable mortgage through an affordable payment plan.
Mon Valley Habitat’s homebuyers invest 250 hours of “sweat equity,” working alongside volunteers and other Habitat homeowners, in addition to paying an affordable mortgage and receiving financial education.
The sweat equity requirement takes 12-18 months. It generally takes about 1.5 to 2 years to complete the entire process, from the date of the application to the house closing.
If applicants do not meet Mon Valley Habitat’s criteria for the Homeownership Program, and are not selected, they will receive a letter with a description of the reason as to why they were not approved.
Absolutely! For questions or concerns regarding the application process, please call 304-292-0914 or email [email protected].
why we help with housing
In West Virginia, 1 in 9 households spend half or more of their income on housing. That means every day in West Virginia, families are forced to make impossible decisions just to pay their rent or mortgage. Home is peace of mind. It’s a chance to work toward security and opportunity. A decent home is sturdy and safe. An affordable home leaves financial room for other life essentials such as health care, savings, and education.
qualifying for housing help
need for housing
Demonstrate a need for safe, affordable housing. This means the current living situation is substandard - unsafe, unhealthy, overpriced, overcrowded, or inadequate for some other reason.
willing to partner
Be willing to partner with Mon Valley Habitat for Humanity throughout the process. This partnership includes performing "sweat equity," or helping to build their own home or the homes of others in our Homeownership Program. It can also include taking homeownership classes or volunteering in our ReStore.
ability to pay
Be willing to partner with Mon Valley Habitat for Humanity throughout the process. This partnership includes performing "sweat equity," or helping to build their own home or the homes of others in our Homeownership Program. It can also include taking homeownership classes or volunteering in our ReStore.
ready to apply
You can achieve the strength, stability and self-reliance needed to build a better life for you and your family. **We are only accepting applications for Preston County at this time.
Through shelter, we empower.
You can help a family help themselves
Families and individuals who partner with us build their own home alongside volunteers, pay an affordable mortgage and are grateful for your help.