How the Program Works
Habitat for Humanity Williamson-Maury (HFHWM) has closed the homeownership application process, effective October 6, 2021. HFHWM will resume accepting applications in January 2022. Please check back then.
Habitat for Humanity of Williamson-Maury (HFHWM) works 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.
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. Partner families are selected by a family selection committee based on three criteria: 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 income, 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 Nashville Metro Median Income (statistics are not available for Williamson or Maury County) 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.