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.

How to Become a Habitat Family

Do you currently live in inadequate housing? Are you living with family or friends because you do not have a home of you 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!

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.

How Do You Qualify?

Qualifying for a Habitat for Humanity house is different in some ways from qualifying for conventional mortgage.

Because no profit is made and no interest is added to the mortgage, the payments are low and affordable.  You need to save money for a small down payment or closing cost. You will also be required to help build your house and help build houses for others.

The family selection committee will look at several factors in evaluating your qualifications:

. The housing in which you currently live

. Your credit records

. Your income qualifications and your ability to make regular monthly mortgage payments

. Your willingness to partner with habitat

.  Your willingness to partner with Habitat

.  Your residency status


Once a family becomes a Habitat partner family, they work in partnership with Habitat to help construct a simple, decent, 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 home-owner houses. You must work 400 hours if your family has two adults or 200 hours for a single-parent family.  Hours can be earned in a variety of ways; Habitat office work, special events, homeowner education classes, and helping with the construction of your house and other Habitat homes. A family sponsor will help explain these opportunities to you.

Family and friends may contribute up to 30% of your required sweat equity hours.

Habitat for Humanity offers an opportunity for families who would not typically qualify for conventional mortgage to become homeowners. If you are looking for a hand up and you are willing to work in partnership with Habitat for Humanity, you may be able to participate in the homeownership program.

Habitat Mission and Goal  (LAST PAGE)

Habitat for Humanity International is a nonprofit, ecumenical Christian ministry founded on the conviction that every man, woman and child should have a decent, safe and affordable place to live.  Volunteers and supporters from varying backgrounds assist Habitat for Humanity with their money, their talents, and time. Habitat for Humanity supporters work together with God’s people in need to build and renovate houses in which people can live and grow into all that God intended them to be.

As a self-supporting, self-governing local affiliate, Central Valley Habitat for Humanity is committed to serving Harrisonburg and Rockingham County and upholding the core tenets of Habitat for Humanity International.

. Christian identity

. Homeownership

. Low-income families

. Sweat equity

. Tithe

. Integrity

Seeking to put God’s love into action, Habitat for Humanity brings people together to build homes, communities and hope.

For more information contact Central Valley Habitat for Humanity below.

Central Valley Habitat for Humanity Inc. does not discriminate on the basis of race, age, family status, sex, color, religion, handicap, type of income, national origin, or marital status.

Reach Us

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


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