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Become a Homeowner

Habitat for Humanity SF/SCV is currently building 78-homes for low-income veterans and their families in Santa Clarita and 56-homes in Palmdale, CA in collaboration with the California Department of Veterans Affairs (CalVet). If you are a Veteran, are currently serving, or are the widow of a fallen soldier, we encourage you to apply for homeownership through this program.

Please follow these steps below to learn how to purchase an affordable home with Habitat for Humanity SF/SCV.

If you have questions or concerns about the program please email or call the Family Selection Department at or (818) 884-8808.

If you are a Veteran, are currently serving, or are the widow of a fallen soldier Click here to download a New Home Application in Palmdale.

Click here to see the Application check list.

Step 1: Minimum Requirements to Purchase a New Home

  • Must have United States Military Veteran living in the home who was honorably discharged from service.
    • Veteran must have served a minimum of 90 days Active Duty or minimum of three months in Reserve Duty.
  • Generally, your family’s annual gross income must be between $46,000 – $83,650*. Gross income for all family members who will reside in the home will be reviewed. Gross income means earnings before taxes are taken out. Income includes such things as:
    • Wages and salaries
    • Social Security
    • Child support
    • Disability payments
    • Able to pay a long-term mortgage.
    • Able to pay small down payment and closing costs.

*Qualifying income minimums and maximums are determined by family size and defined by the U.S. Department of Housing and Urban Development (HUD).

Step 2: Your Investment

Before moving forward learn what will be expected of you in this homeownership program. See what will be expected from you besides mortgage payments below.

  • Help build homes – See below for “sweat equity” information.
  • Attend Enriched Services classes and workshops – families will receive “sweat equity” hours for attending mandatory and optional classes and workshops designed to teach you skills and information needed to be a successful homeowner and community member.
  • Join an HOA – in Enriched Neighborhoods® homeowners are required to join an HOA that maintains common areas such as neighborhood parks, gardens, and other common areas. There is a monthly fee.
    • Attend events and be photographed – Families are required to attend community events and fundraisers where Habitat for Humanity SF/SCV is involved. At these events, your family may be photographed, videotaped, or recorded. Families will sometimes be asked to speak to the attendees or press about their experience in this program, and we encourage those who feel comfortable speaking about their experience to volunteer to speak on behalf of their neighbors. You will receive “sweat equity” hours for attending events and speaking. If this is a hardship for your family, we can make arrangements to avoid it.
  • Re-sell to Habitat for Humanity SF/SCV – If you must sell your home, talk to Habitat SF/SCV first. You can’t sell the home on the open market. Your equity will be determined by a formula based on your mortgage schedule.

What is Sweat Equity?

Families who purchase Habitat SF/SCV homes labor alongside volunteers from all over North Los Angeles County. They build together…sweat together…laugh together…even cry together. They become friends.

“Sweat equity” means a Habitat SF/SCV homeowner has invested time and labor, not just money, into building their community.

Each family purchasing a Habitat SF/SCV home agrees to invest 500 hours of sweat equity (350 for single parent households). This means helping to build homes in the family’s new neighborhood, attending Enriched Services classes, attending special events where Habitat SF/SCV is involved, and working in the Habitat Restore.

Sweat equity helps:

  • Create partnerships between Habitat SF/SCV families, volunteers and staff
  • Families learn how to maintain their homes
  • Homeowners become especially proud of their homes.
  • If physical labor is out of the question, there are plenty of other ways to complete sweat equity. Don’t be discouraged!

Step 3: Family Selection Process

  1. Learn more about the family selection process
  2. Review qualifications and your investment to decide if this program is right for you.
  3. Fill out an application.
  4. Make sure you submit all necessary information by using the application checklist.Mail, fax, or drop off your application to:
    Habitat for Humanity SF/SCV
    attn: Family Selection Dept.
    21031 Ventura Blvd. Ste 610
    Woodland Hills, CA 91364
  5. Habitat staff completes credit and background checks.
  6. Habitat staff submits application to CalVet for approval.
    • All homeowners in this program will have a first mortgage with CalVet and a second mortgage with Habitat for Humanity SF/SCV. The second mortgage is key to making these homes affordable to low-income veteran families.
  7. Habitat staff sets up Home Visit by Family Selection Committee.
    • Members of the Family Selection Committee, trained volunteers, interview your family in your current home. The volunteers try to verify that your family needs affordable housing and that your family is willing to partner with Habitat SF/SCV.
  8. The Family Selection Committee holds a selection Meeting.
    • The Family Selection Committee meets to decide which families meet all the criteria. The Committee makes recommendations to the Board of Directors of Habitat SF/SCV. The Board votes to accept the new Habitat SF/SCV families.
  9. If selected, families will attend an orientation meeting with Habitat staff and sign a “sweat equity” contract and documents needed to be enrolled in the program.