Eligibility Wizard — Greater Fredericksburg Habitat for Humanity

1About you

Who are you? *

Future homebuyer Referral agency Lender Real estate agent Other

Where do you want to live? *

Have you owned a home in the last 3 years? *

Our program is for first-time homebuyers: anyone who has not owned real estate in the last 3 years.

Yes No

2Household and income

Number of household members *

Gross annual income of all applicants *

Before taxes. Include wages, self-employment, disability, Social Security and other steady income.

Gross annual income of other household members

Anyone else in the home who will not be on the application. We count total household income.

How long have you had steady income? *

2+ years of wages, 6+ months with my current employer Self-employed 3+ years Disability, Social Security or other fixed income Less than that

3Monthly finances and credit

Monthly rent or housing payment *

Total monthly debt payments *

Car loans, credit card minimums, student loans (including deferred), personal loans. Do not include rent.

Estimated credit score *

Check any that are true for you right now:

I have unpaid collections, judgments or liens on my credit report

I had a bankruptcy or foreclosure in the last 3 years

I have at least $500 in my bank account

I’ve had an account overdraft in the last 2 months

4Housing need and partnership

Which of these describe your current housing? *

Check all that apply. Rent burden is calculated for you from your answers above.

Unsafe surrounding environment

Income disparity

Living in temporary housing

Overcrowding

Heating, electrical, plumbing or structural problems

None of these

Can your household complete 300–400 hours of sweat equity? *

Building on site, volunteering at the ReStore or office, and taking homeownership and financial education classes all count.

Yes Not sure No

Apply online

Start your application at hbs.gfhfh.org.

Join an interest meeting

Virtual meetings on the third Wednesday of every month at 2, 4 and 6 pm. Sign up.

Talk with us

(540) 891-4401 or homeownership@fredhab.org.

Homeownership Eligibility Wizard

Answer a few questions to see whether our Homeownership Program might be a fit for your family, and what to do next. It takes about 3 minutes.