Habitat Homeownership Program

South County Habitat for Humanity builds and rehabilitates homes in partnership with qualified buyers and the community. The homes are sold with an affordable 30-year fixed rate mortgage to partnering families.

The Process

  1. 1. Contact Us
    Call (401) 213-6711 x300 to schedule an appointment during an open application round
  2. 2. Apply
    Bring completed application and required documents to submit at Application Appointment
  3. 3. Review
    Application goes through and internal and external review process to determine eligibility
  4. 4. Board
    The Board of Directors is presented with criteria on all eligible applicants (without identifying information). The Board then approves or denies applications.
  5. 5. Sweat Equity
    If approved, you will begin your required sweat equity and homeownership classes
  6. 6. Closing
    After completing all pre-purchase requirements, your home is ready for occupancy, and after a final financial check we will schedule the closing for your home!

How to Apply

Once an application round has opened call (401) 213-6711 x300 or  e-mail Alicia@southcountyhabitat.org to request an application appointment.

Your application will be evaluated based on three main areas:
NeedCurrent housing is substandard or inadequate (overcrowded, substandard, unsafe, etc.) or household income is insufficient for a conventional mortgage.
Ability to Pay:  Able to pay a low to 0% interest mortgage
Willingness to Partner: Applicant(s) agree to work with Habitat and contribute the required number of sweat equity hours building Habitat homes or working in the ReStore.

If you are selected for a Habitat home, you will then begin your sweat equity and complete homeownership classes. Class topics include financial management and budgeting, mortgage and real estate terminology, foreclosure prevention, legal rights and responsibilities of homeownership, and more. Once you have completed all pre-purchase requirements and your home is ready for occupancy, Habitat will work with you to obtain an affordable mortgage.
​​South County Habitat for Humanity is  not currently accepting applications for our homeownership program. To be notified once applications are available,  click here .

                      CALL FOR MORE INFORMATION
                      (401) 213-6711 x300

                      OUR MAILING ADDRESS
                      South County Habitat for Humanity
                      PO Box 68
                      Shannock, RI 02875
Complete Homebuyer Education Course
Contact South County Habitat