Our homes are sold at no profit with zero percent interest, zero down payment and zero closing costs. Approved homeowners qualify for a monthly housing payment equal to 30% of their monthly income.

Since 1989, we have built more than 200 homes in San Francisco, Marin, and San Mateo Counties.


Homebuyer readiness workshops

Are you looking to buy a home but don’t know where to start? Our Homebuyer Readiness Workshops may be for you! We offer a free, public, three-part workshop series which includes: Understanding Credit, Debt Management, and Money & Savings. Be on the lookout for a fourth class on Becoming a Homeowner.

Workshops are held ten times a year, in a variety of convenient, publically accessible spaces. We provide helpful tools for workshop attendees to move towards financial success, including a credit report and one-on-one personal counseling. Check out our upcoming workshops here!


Understanding Credit

6-8 pm, Wednesday, November 4

Margaret Todd Senior Center, Hill Community Room, 1560 Hill Road, Novato CA

In this workshop participants explore how credit is defined, established, and maintained while contextualizing how credit has become an instrumental tool in today’s financial arena. We address how a credit score is calculated, the definition of good credit, how to read and understand a credit report, and the collection timeline for various accounts.  Free credit reports, scores and report write-ups are available upon request, as well as free one-on-one appointments to provide client-specific suggestions.

Debt Management

6-8 pm, Wednesday, November 11

Margaret Todd Senior Center, Hill Community Room, 1560 Hill Road, Novato CA

Our second workshop provides the answer key to debt resolution. We classify different kinds of debt (including credit cards, collection accounts, taxes, child support, and personal, student, and payday loans), and describe the appropriate ways to resolve accounts that have fallen behind. We discuss various ways to reduce debt (while increasing credit scores!) based on the type of debt a consumer has, and learn the benefits and drawbacks of debt management and debt settlement. 

Money & Savings

6-8 pm, Wednesday, November 18

Margaret Todd Senior Center, Hill Community Room, 1560 Hill Road, Novato CA

The third workshop focuses on useful strategies to create and maintain a sustainable budget.  Our ‘Creating a Budget’ tools provide useful savings and money management tips to help participants identify their goals and get on track. This workshop also redefines negative connotations of words like ‘budget’ and ‘money management’ so they can be seen as enabling tools instead of disabling restrictions. We also look beyond traditional savings accounts to the advantages of compound interest and the importance of saving options such as IDA accounts and pre-tax savings options.

Looking for Habitat Terrace lottery results?



Process to becoming a homeowner

Applicants must meet our income guidelines, have reasonable credit histories, a manageable level of debt and be willing and able to perform up to 500 hours of "sweat equity" to build their own homes. The entire process including the selection process, building of the home and sweat equity can take up to 14 months.

Our selection process for interested applicangs includes a review of financial status, job history, residency and other qualifications. 



  • Applicant is a first-time homebuyer. 
  • Household must have lived together consistently for the past 12 months.
  • Title holders must be legal permanent residents, or U.S. citizens.
  • Obtain a First-Time Homebuyer Certificate from a HUD-approved housing agency prior to closing. A First-Time Homebuyer certificate is not required before submitting your application, but strongly encouraged since spaces are limited. Visit www.homeownershipsf.org to learn more about the HUD-approved agencies and reserve a spot.
  • Must be willing to complete Habitat Greater San Francisco’s pre-purchase education program and partcipate in monthly homeowner meetings.



  • Applicants have a minimum credit score of 650.
  • Applicants have a history of reliable payments on their credit report.
  • Applicant’s debt to income ratio is below 45%.
  • Income will only be counted from legal permanent residents or U.S. citizens.
  • Household’s gross annual income must be between 40-60% of the area median income (AMI) as defined by the U.S. Department of Housing and Urban Development (HUD), though for some homes, those with incomes equal to up to 80% of the area median income may qualify. Please note income guidelines for our current development at Habitat Terrace. AMI guidelines are subject to change annually and/or per development. 

Call to get started today! Call our Homeowner Development Department at 415.625.1011 and complete a short over-the-phone questionnaire. We’ll let you know about our newest housing opportunities and the application process.

  • In order to move forward in the application cycle, you must attend an Application Information Meeting. Spaces are limited so reservations will be granted on a first-serve basis via phone or online.

Please note that Application Information Meetings for Habitat Terrace have been closed. 

The application cycle takes approximately 12 – 14 months to complete. Steps in the process include:
  • Completing and submitting the homeownership application, lottery and collecting other required materials.
  • Our staff will review your application by lottery number for income, credit, and background eligibility. The Homeowner Selection Committee (HSC) will conduct an interview and home visit and will select an applicant based on their need for housing, ability to pay and willingness to partner.
  • If selected for a Habitat home, you can start “sweat equity.” Each household is expected to complete up to 500 volunteer hours through various opportunities, including the building of your home. Our staff will help you create an action plan to achieve your goals.
  • Attend our New Homeowner Training where you will learn skills to become successful homeowners. Applicants matched to homes must complete all required homeowner training sessions prior to their closing date. Sessions include money management and budgeting, home maintenance and safety, and community engagement. This training curriculum provides applicants with a sound foundation of knowledge designed to boost homeownership success.
  • Attend Homeowner Success Meetings. These meetings are designed to help applicants maintain communication with Habitat Greater San Francisco and to strengthen the relationship between selected applicants.
  • After sweat equity is complete, we will review income, credit, and background eligibility again to verify that selected applicants have remained within the program requirements in order to complete the purchase of their home.
  • Applicants will sign legal documents to complete the purchase of their Habitat Greater San Francisco home!

Home Dedication and MOVE-IN! We can’t wait to celebrate your new life as a proud Habitat Greater San Francisco homeowner!

Call our Homeowner Development Department at 415-625-1011.