How to Apply for Homeownership

Step 1 – Review Program Information

Please watch the following videos to understand our program and qualifications, and have a basic understanding of Homeowners Associations.

Step 2 – Select Home to Apply For

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.

If there is not currently a home that you would like to apply for, please join our mailing list to be notified of future homeownership opportunities.

Step 3 – Fill Out 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 submitting your application and all required documents, 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 4 – Applicant Meeting (if financially eligible)

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 partner with Habitat through participation in volunteer opportunities and by attending 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 5 – Final Approval (if selected)

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 6 – Pre-Qualified Financing (if selected)

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.