Programs

We have two programs for low-income individuals and families that may be renters seeking a new home or those in need of critical repairs to an existing home.

Critical Home RepairHomeownership

All Program Applications: Closed

Applications are currently closed. To be notified when they are about to close or open in the future, subscribe to our email list below.

Homeownership Program

  • 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.

Initial Qualifications

To begin the application process families must meet initial qualifications in order to apply. When you arrive at our office, we will ask you if you meet the following initial criteria:

  1. Permanent Resident or Citizen of the United States at time of application
  2. Resident living in Harrisonburg or Rockingham County for at least one year
  3. Source of income
  4. Willing to submit to a credit check
  5. Willing to partner with Habitat to work on your home

 

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.
  • We take applications in cycles, which we announce through email and social media. They may be for certain areas of Harrisonburg City or Rockingham County only.
  • 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.

 

 

Want to Know When We’re Taking Applications?

Fill out the form below to join our email list and receive notifications when applications are about to open, are open, and when they’re closing.

Subscribe

* indicates required
/ ( mm / dd )
Mailing Lists

Please select all the ways you would like to hear from Central Valley Habitat for Humanity:

You can unsubscribe at any time by clicking the link in the footer of our emails. For information about our privacy practices, please visit our website.

We use Mailchimp as our marketing platform. By clicking below to subscribe, you acknowledge that your information will be transferred to Mailchimp for processing. Learn more about Mailchimp's privacy practices here.

Number of Homes We've Built

Critical Home Repair Program

  • Do you have mobility issues and need a ramp or other upgrade to your existing home?

  • Is there currently a major safety issue with your home?

  • Do you have the income to pay an income-based subsidized repair cost?

  • Is your home missing critical items that would improve your quality of life such as safe bathrooms, indoor plumbing, appropriate weatherproofing, etc?

If you answered “yes,” the Habitat for Humanity Critical Home Repair Program may be right for you! Habitat for Humanity offers an opportunity for families who would not typically qualify for a conventional loan or repair cost to have the opportunity for their issues to be repaired.

Initial Qualifications

To begin the application process families must meet initial qualifications in order to apply. When you arrive at our office, we will ask you if you meet the following initial criteria:

  1. Permanent Resident or Citizen of the United States at time of application
  2. Must own the home being repaired
  3. Resident living in Harrisonburg or Rockingham County.
  4. The home must be your primary dwelling
  5. Source of income
  6. Willing to submit to a credit check
  7. Willing to partner with Habitat to work on your home
  8. Client’s total income is 60% of Area Median Income (AMI) or lower
  9. Client must have the ability to pre-pay the subsidized repair cost

What constitutes a “critical” repair?

 

  • Addressing issues of deferred maintenance contributing to a home’s deterioration, diminished functionality, or loss of value

  • Restoring or improving the safety or security of the home

  • The total value of the repair must be no more than $5000

  • If we can say “yes” to at least one of the following questions about a possible repair:

    1.  Does it it improve the weather-proofing / water resistance of the home?
    2. Does it improve the energy efficiency of the home?
    3. Does it improve the security of the home and property?
    4. Does it improve the safety of the people living in the home?
    5. Does it improve the resident’s mobility throughout the home?
    6. Does it improve the built environment beyond curb appeal?

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 and examine if you meet the initial qualifications.
  • We take applications in cycles, which we announce through email and social media. They may be for certain areas of Harrisonburg City or Rockingham County only.
  • Site Visit: A Central Valley Habitat representative will make a site visit to review the requested repair to evaluate the preliminary scope and to preliminarily qualify or disqualify the project. If prequalified, the potential client will be provided an application to begin a formal review.
  • Once a family becomes a Habitat partner in Critical Home Repair, they have the option to perform “sweat equity,” which is when the partner volunteers to work on the construction and other items. A discount on how much the partner is expected to pay will be given for hours of sweat equity performed. 

Reach Us

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

(540) 828-6288

sydney@centralvalleyhabitat.org

Leave A Message

8 + 2 =