How to Apply for Homeownership

Step 1 – Review Program Requirements

Review to be sure you understand our program model and requirements.

Step 2 – Register for Mailing List

Register for the mailing list by clicking the button below and filling out the form. This allows us to notify you when we have homeownership opportunities available.

Step 3 – Select Home to Purchase

Look at our available homes we have in King and Kittitas County. Review the information and features of the home to see if it is the right home for you.

Step 4 – Online Application

Fill out and submit the application found at the bottom of the home’s page that you are interested in. Be sure to attach all required documents. If you have difficulty attaching your required documents to the application, you can email or fax documents to our Selection Coordinator:

  • Email: apply@habitatskc.org
  • Fax: 206-452-7697

Within a week of applying, you will receive an email from our staff letting you know if you are financially eligible for the home (this does not mean you have been selected for the home).

Step 5 – Applicant Questionnaire

Each financially eligible applicant will fill out a questionnaire and meet with 2 Habitat staff to review. This meeting is also a great opportunity for applicants to ask any questions related to our program. Final selection will be based on the extent to which applicants demonstrate the following:

  • Ability to pay – Applicants must demonstrate that they can afford the home’s mortgage payment without being cost burdened. For more information on Ability to Pay, please see our qualifications.
  • Connection to community – Utilizing resources in the development neighborhood, living or working in the development neighborhood, or having family that has previously lived or currently lives in the development neighborhood.
  • Willingness to partner – Applicant must demonstrate willingness to complete at least 150 hours of Sweat Equity and attend homebuyer education classes if selected. Applicants can demonstrate additional willingness to partner by attending an info or application session hosted by Habitat staff, and by demonstrating timely communication with Habitat staff during the application process.

Step 6 – Final Approval

After meeting with each applicant, we will let you know if you have been selected for a home or not. If you are selected, you will be notified by Habitat Staff to schedule your orientation.

Step 7 – Pre-Qualified Financing

If you are selected, you will receive a Lender Letter from one of our staff. This letter will have the details of your loan including your estimated monthly payment and down payment. Once you receive this letter you will need to apply for a mortgage from one of our approved lenders.