How to Apply


If you can answer yes to all of these questions, you are eligible to apply

  • Have you lived in service area for 1 year?
  • Are you a US citizen or have evidence of permanent residency?
  • Do you meet the income guidelines (25%-60% of area median income)?
  • Do you have a credit score(FICO) of 620 or higher?
  • Are you willing to pay a $2,000 down payment ($1,000 within first 6 months in program/$1,000 by closing)?
  • Are you willing to contribute sweat equity (250 hours for single adult family/400 hours for 2+ adult family)?
  • Are you willing to attend all homeowner education classes?
  • Are you willing to take on a 20 year non-profit mortgage?


If eligible, the application process can take 3 to 4 months. The process begins with completion of the  program application and submission of requested documents. The documents required are:

  • Most recent tax return
  • W-2 forms
  • Most recent pay stubs
  • Copy of all recent bills
  • Bank statement
  • Birth certificate
  • Picture identification
  • Copy of any public assistance verification
  • Proof of residency or if applicable, copy of Notice of Action letter
  • Contact information for former(if less than a year)/current employer and landlord


A meeting will be set up with Habitat Rockland’s Family Service Coordinator or a Family Selection Volunteer to review the application and materials for completeness and two in-home interviews will be conducted. Your application will then be reviewed by the Family Selection Committee and a recommendation for acceptance into the homeownership program will be forwarded to the Executive Director who will submit it for approval from the Board of Directors.


Application_Part 1_2016_Rockland_County.inddIf you wish to apply download an application


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