Welcome to

Habitat for Humanity’s

Applicant Guide

Welcome! We’d like to thank you for your interest in becoming a Habitat homeowner.


At Habitat, we believe that everyone should have a safe, affordable place to call home. To carry out our vision, we partner with individuals and families from application through construction to when the keys are handed over.

By working with us from beginning to end, we can help prospective individuals prepare for the various responsibilities of homeownership, including learning about personal finances, mortgages, maintenance and upkeep of homes, and much more.

Habitat’s path to homeownership is an important and in-depth process, requiring hard work, time and dedication. But this helps to ensure the long-term success of Habitat homeowners.

How to Qualify for a Habitat Home

Habitat homeowners must be active participants in building a better home and future for themselves and their families. Every Habitat home is an investment. For us, it is one answer to a critical need, and we believe that affordable homes will create stronger communities.

  • Prospective Habitat homeowners must demonstrate a need for safe, affordable housing. Need will vary from community to community.
  • Once selected, Habitat homeowners must partner with us 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. Sweat equity can also include taking homeownership classes or performing volunteer work in a Habitat ReStore.
  • Homeowners must also be able and willing to pay an affordable mortgage. Mortgage payments are cycled back into the community to help build additional Habitat houses.
  • The next home will be built in Fannin County. Simply click the link below to ensure your family’s total annual income is within these guidelines before proceeding to the application.

    2021 – Fannin Co. GA Income Limits

(Q) Can anyone apply to be a Habitat homeowner?

Answer: Yes. Habitat follows a nondiscriminatory policy of homebuyer selection. Neither race nor religion is a factor.

(Q) How do you apply for a Habitat house?

Answer: After viewing a brief presentation below, you may begin filling out your application. Included in the presentation, you will learn:

  1. How to fill out the application, with a page-by-page description.
  2. How to download your free credit reports. You must send all 3 reports along with your application by April 19, 2021.


(Q) How long do I have to turn in my application? Is there help available if I need it?

Answer: Please remember to email yours to: c.hall@hfhfanningilmer.org once completed. If you need any assistance, feel free to Contact Us.

If you feel you’d be better served by attending an in-person meeting to fill out your application, don’t worry! We’re here for you. You may schedule a meeting with us in-person to help fill out your application. To schedule an in-person meeting, please  call Chris Hall at: 706-455-6603.

We look forward to working with you!

Please remember to email your application, along with your TransUnion, Equifax and Experian reports to: c.hall@hfhfanningilmer.org

when completed.  Do not delay sending your application if you’re having trouble with obtaining credit reports. If you need any assistance, feel free to Contact Us.

Click Here to Begin Your Application (English)

Click Here to Begin Your Application (Spanish)

Click here to Learn How-To Download Your Credit Reports