path to homeownership
Focused on providing a hand-up rather than a hand-out, Habitat for Humanity proves that decent housing can be a path out of poverty for families.
APPLICATION INFORMATION
about the program
This is NOT an immediate housing solution. After the application process of up to 5-6 months, the typical timeline for participants in the Path to Homeownership program can take another 15-18 months.
Updated July 2026
Get Set for Homeownership
Prepare successfully for the next Habitat application by focusing on key areas:
ensure stable income
improve credit history
reduce debt ratio
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Go to Annual Credit Report to download your free report once a year.
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Reasons to view your reports: major purchases, life changes, managing debt, and spotting identity theft.
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GLHFH requires a credit score of fair or better. Read these helpful tips on how to build a good credit score.
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Feeling overwhelmed? You don't have to do this alone--get credit counseling by phone or online. Start here today
Pre-Purchase Prep
Pre-purchase Counseling is available at no cost with Advantage Credit Counseling. Use the resources, tools, and live guidance to get ready for purchasing a house!
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Calculate your DTI - Lenders like to see a DTI of 43% or less!
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Pay Off Debt Fast - George Kamel explains the debt snowball method
When families partner with Habitat, they start down a new path — one with far fewer barriers to a better, healthier, more financially stable life.
