Home Ownership - San Mateo County

Habitat for Humanity Greater San Francisco builds houses in partnership with families with very low incomes and sells the houses at no interest to qualified families.

Requirements
Applicants must meet the current requirements:

Residency

• Must have lived or worked in San Mateo County consistently for 12 months.

• Household must have lived together consistently for 12 months.

• Wage earners who are legal permanent residents, or U.S. citizens.

• Preference is given to applicants who reside or work in the city where homes are available.

First-Time Homebuyer

• Must not have owned or co-owned real estate in the last three years.

Credit

• Applicants must have consistent on-time credit payments.

Income

• Income must meet HUD requirements very-low income in San Mateo County.
  
  $35,530 to $53,300 for a family of 2
  $40,000 to $59,950 for a family of 3
  $44,400 to $66,600 for a family of 4
  $48,000 to $71,950 for a family of 5
  $51,550 to $77,300 for a family of 6
  $55,100 to $82,600 for a family of 7
  $58,650 to $87,950 for a family of 8

Applicants are evaluated based on three main criteria:

Need for Housing

• Currently living in inadequate housing conditions, which are substandard, overcrowded, unsafe, or are paying rent too high in relation to monthly income.

Ability to Pay

• Can demonstrate a history of regular income.

• Ability to make monthly payments on a no-interest mortgage, property taxes and insurance.

Willingness to Partner

• Must fulfill "sweat equity" commitment of contributing 500 hours of volunteer hours towards the mission of Habitat for Humanity Greater San Francisco most of which is in the construction of the home.

• Be responsible for the maintenance and repairs of the home from the time of move in.

• Must be willing to show your support at events for Habitat developments and on occasion speak on behalf of Habitat and homeownership.

Apply Here