Own a Home

Tired of renting? Affordable homeownership may be right for you. Habitat partners with people to help them build a place they can call home. Homeowners work alongside volunteers to help build their own homes, which they then purchase with an affordable mortgage.

  • Do you currently live in inadequate housing?
  • Are you living with family or friends because you do not have a home of your own?
  • Are you willing to help build your home and help build houses for others?
  • Do you have income sufficient to pay a no-profit, no-interest mortgage?


If you answered “yes,” a Habitat for Humanity home may be right for you! Habitat for Humanity offers an opportunity for families who would not typically qualify for a conventional mortgage to become homeowners.


Mortgages for Habitat Homes

  • No profit is made and no interest is added to the mortgage.
  • Payments are low and affordable.
  • You need to save money for a small down payment and / or closing costs.
  • You will be required to help build your house and help build houses for others.


Qualification Process

  • Contact the Central Valley Habitat for Humanity office at 540-828-6288.
  • We will provide you with the details necessary to begin the application process.
  • The Family Selection Committee reviews the submitted information and makes recommendations to the Board of Directors.
  • The committee looks at several factors in evaluating your qualifications:
    • The housing in which you currently live
    • Your credit record
    • Your income qualifications and your ability to make regular mortgage payments
    • Your willingness to partner with Habitat
    • Your residency status.
  • Once a family becomes a Habitat partner family, they help Habitat construct a simple, sustainable, energy efficient home. The house is built with the help of volunteer labor under trained supervision. Your house will be financed by Central Valley Habitat with a no-profit, no-interest loan.


“Sweat Equity”

“Sweat Equity” is required to become a Habitat homeowner. This means working side by side with volunteers on your house and other prospective Habitat homeowner houses.

  • You must work 400 hours if your family has two adults, or 200 hours for a single-adult family.
  • Family and friends may contribute up to 30% of your required sweat equity hours.
  • Hours can be earned in a variety of ways: Habitat office work, special events, homeowner education classes, and helping with construction of your house and other Habitat homes.
  • A family sponsor will help explain these opportunities to you.



Reach Us

Central Valley Habitat
P.O. Box 245
205 Dry River Rd.
Bridgewater, Virginia 22812

(540) 828-6288


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