Habitat homeowners help build their own homes alongside volunteers and pay an affordable mortgage

How the Program Works

Habitat for Humanity Williamson-Maury’s (HFHWM) homeowner application period is currently closed. Please check back in early 2023 for updates. Questions? Please contact our team.

We work to ensure that everyone has a decent place to live. Habitat homeowners help build their own homes alongside volunteers and pay an affordable mortgage. With the generous support and volunteer participation of churches, businesses, and civic groups, we help homeowners achieve the strength, stability, and independence to build a better life for themselves and their families.

This is not an emergency housing program. The homeownership program takes roughly a full year.

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How Habitat for Humanity families are selected

Because HFHWM serves the residents and employees of Williamson and Maury Counties, applicants must have lived or worked in either county for at least 12 months prior to applying. A family selection committee chooses partner families based on three criteria: the need for adequate housing, ability to pay, and willingness to partner.

Need for adequate housing

Families must have a need for adequate housing, which could mean they’re living in a dwelling that lacks proper plumbing or wiring, has structural problems, or is in a state of disrepair. It could also mean that living conditions are overcrowded or that rent is a cost burden according to HUD guidelines.

Ability to pay

  • Families must have a stable, minimum income of $31,200, which can include employment, social security, pension, disability income, worker’s compensation, alimony, and reliable child support.
  • Applicants earn between 30 to 60 percent of the Williamson and Maury Counties Median Income as determined by the latest HUD data. We consider the income of all adults (18 or older) in the household who will be living in the house.
  • Applicants must verify their employment history and provide documentation of the past two years of annual household income. Applicants are not selected if they can obtain financing by conventional means.

Willingness to partner

Partner families are required to earn 280 hours of “sweat equity” by attending mandatory homebuyer education classes, working on the homes of other families in the program, or working on their own home.

NOTICE: The Federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status, age (provided the applicant has the capacity to enter into a binding contract), because all or part of the applicant’s income derives from any public assistance program, or because the applicant has in good faith exercised any right under the Consumer Credit Project Act. The federal agency that administers compliance with this law concerning this credit is the Federal Trade Commission, Washington, D.C.






Featured Partners

Habitat for Humanity’s vision is a world where everyone has a decent place to live. The support of our generous partners helps make our vision a reality and has a huge impact in the lives of families.

GuideStar Platinum Seal of Transparency Goodall Homes Community Foundation of Middle TN GivingMatters.com