How it Works

A lot of times we learn about service, we learn about love, and we talk about it. But, Habitat lets us put it all into practice.

Jimmy Carter

Greater Fredericksburg Habitat for Humanity serves the City of Fredericksburg and the counties of King George, Spotsylvania and Stafford.

Habitat for Humanity helps families build strength, stability, and self-reliance through shelter. Homeownership is more than the American dream - it’s a reliable way to build generational wealth and improve an entire family’s future.

By bringing together volunteers and supporters, Habitat provides affordable mortgage options for qualified applicants. Habitat homes are not free, but they are sold without a profit. To qualify, applicants have a thorough background check that includes a home visit, financial review, criminal background check, and character references.

Habitat’s programs are oriented around the goal of “a hand up, not a handout.” After qualifying for the Habitat program, approved applicants still have to complete hundreds of hours helping build homes and complete a rigorous homeowner preparation course. The course covers a variety of financial education, home preservation topics, and takes about a year to complete.

Homes are required to pass the same inspections and permitting process as any other builder. Volunteer labor is used to keep costs down, but construction is supervised by a Class A Contractor.

Once a Habitat home is purchased, the mortgages have no or very low interest, and are spread out over thirty years. Like any other home buyer, a monthly payment is required and owners are responsible for property taxes, repairs, and upkeep.

Habitat for Humanity is an Equal Housing Lender and all programs comply with Fair Housing laws.

Applications are NOT accepted on a rolling basis.  To learn more and/or be notified when applications open, get in touch with our Director of Homebuyer Services at