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Homeowner Application

Homeowner Application

We offer newly built and fully renovated 2–3 bedroom homes throughout Central Maryland, each equipped with energy-efficient appliances, central air conditioning, and affordable monthly mortgage payments. Habitat homebuyers don’t need perfect credit or large savings, they need determination, stability, and a desire to create lasting change for themselves and their families.

Fill out the form completely to submit your application for the Habitat for Humanity of the Chesapeake’s Homeownership Program.

If you have general questions about the Habitat for Humanity Homeownership Program please contact us via our contact page.

Not Ready to Apply? Send Questions Here
Send to Co-Applicant
Name
Providing your SSN is required so that we can conduct a soft pull on your credit.
Have you had steady income in the U.S. for at least 2 years (including assistance)?
Have you filed for bankruptcy within the past 7 years?
Has it been discharged within the past two years?
Are you currently on a payment plan or owe on a remaining balance for any past tax year?
If yes, is this federal, state, or both?
Have you owned a home in the past 3 years?
Have you attended a Homebuyer Information Session hosted by Habitat Chesapeake?
Income Verification
People in Household Minimum Income Maximum Income
1 $27,400 $72,950
2 $31,300 $83,400
3 $35,200 $93,800
4 $39,100 $104,200
5 $42,250 $112,550
6 $45,400 $120,900
7 $48,650 $129,250
8 $54,150 $137,550
Is it full-time or part-time employment?
Will there be a co-applicant?
“Co-Applicant” refers to any individual who applies for the loan with you and is equally responsible for paying back the full mortgage. If you have a co-applicant, they will also need to complete this form.
Note: All co-applicant’s must also complete this application form.
Please input 0 if not applicable.
Income for additional household member(s) over 18.
Confirmation of Income Information
If you don’t pay a rent expense please put $0
Please combine all payments if there are multiple vehicles. (If you don’t pay a vehicle expense please put $0.)
Please combine all payments. (If you don’t have a credit card expense please put $0.)
(If you don’t have a student loan expense please put $0.)
(If you don’t pay child support please put $0.)
(Please combine all additional payments, including personal loans, lines of credit, Affirm, Klarna, etc.)
Including gas, electric, water.
(Please include bus, gas, Uber, or Lyft expenses.)
(Please include gyms, clubs, etc.)
Any other expenses.
Confirmation of Expenses
Has anyone in your household ever served in the military?
Highest Level of Education Completed
Do you currently live in Transitional Housing?
Do you currently live in Public Housing?
Do you currently receive Section 8 Rental Assistance?
Do you currently receive any other housing assistance?
Are you willing to meet these requirements if selected for the program?
If your family is selected, you must be willing to meet the requirements for Habitat Partner Families, including:

  • 1. Paying a minimum of $2,500 in earnest deposit;
  • 2. Attending homeownership and financial education classes;
  • 3. Learning about construction and home maintenance;
  • 4. Completing at least 250 hours of sweat equity;
  • 5. Being good ambassadors for Habitat in the community so this important work can continue.
First choice of currently available homes.
Second choice of currently available homes.
In submitting this application, if selected, I am agreeing to purchase one of the properties chosen above.
Consent

PRIVACY POLICY

Habitat for Humanity of the Chesapeake and our ReStores use its best efforts to respect and protect the privacy of our online users, donors and visitors. The following policy is intended to explain how your personal information will be treated. Habitat Chesapeake operates this web site in accordance with the following privacy policy. By using this web site or communicating with Habitat Chesapeake by e-mail, you consent to the terms of this privacy policy.

Data Collection

You may browse Habitat Chesapeake’s web site without submitting personal information. However, if you choose to make a donation, send us an e-mail, register to volunteer or request a newsletter we will ask you for applicable information.

When you make a donation online, you will be asked to provide personally identifiable information necessary to process and service your request. This may include your name, billing and shipping postal addresses, telephone number, e-mail address and credit card number. Your credit card information will be temporarily stored on a secured server only for as long as necessary to process your payment.

When you send Habitat Chesapeake an e-mail, your message and e-mail address will be forwarded to the appropriate department within the organization and we may save your e-mail as part of our permanent records. Please be aware that any message, material, ideas, concepts, or other information sent to Habitat Chesapeake by e-mail will be treated as non-confidential and non-proprietary.

When you sign up for a volunteer activity or request a newsletter by sending an e-mail or other means, we will request personal information in order to contact you.

Contact and Donor Information

Habitat for Humanity of the Chesapeake will not share or sell a donors personal information with anyone else, nor send donor mailings on behalf of other organizations. Habitat for Humanity of the Chesapeake will only share or sell personal information once the donor has given our organization specific permission to do so.

Use of Information

Internal Use: We will use your personally identifiable information in order to respond to your request or process your contribution. Your credit card information will be temporarily stored on a secured server only for as long as necessary to process your payment. We may use your information to inform you of events, send you Habitat Chesapeake and ReStore newsletters, request donations and send you promotions and updates about the stores.

External Use/Third Party Vendors

Habitat Chesapeake may engage third-party vendors in order to help us better service our visitors and customers. Vendors are required by contract to maintain the confidentiality and security of information to which they are provided access and restricts the vendors from using the information in any way not expressly authorized by Habitat Chesapeake.

Please note: Habitat Chesapeake does not rent or sell donor lists.

Your Options

We recognize that you may wish to limit the ways in which we contact you and use your information. Habitat Chesapeake offers the following options:

Opt out of receiving e-mails: You may “opt out” by e-mailing web@habitatchesapeake.org or following the unsubscribe instructions included in the e-mail message.

Opt out of receiving telephone calls or postal mailings from Habitat Chesapeake: You may contact us at anytime by e-mailing web@habitatchesapeake.org, or calling 410-366-1250 and letting us know that you would not like to be contacted by telephone or mail.

Security

Habitat Chesapeake receives your personal and credit card information using secure socket layering (SSL) technology which prevents disclosure of your information to third parties. SSL is the standard for most browsers and servers and encrypts all of your personal information, including credit card number, name and address so that it cannot be read as the information travels over the internet.

To prevent unauthorized access, maintain data accuracy, and ensure the correct use of information, we have put in place appropriate physical, electronic, and administrative procedures to safeguard and secure the information we collect online. Habitat Chesapeake staff members are educated on the importance of safeguarding your information and are bound by a confidentiality agreement.

Cookies

The Habitat Chesapeake web site uses cookies (i.e. small files that store information on your computer’s web browser) to enhance user experience on the site. Cookies are used to perform certain functions such as saving passwords, personal interests and preferences; delivering content specific to these interests and preferences; and tracking activity on the website. A cookie cannot be used to get data from your hard drive, get your e-mail address, or steal sensitive information about you. It is simply a line of text in a file. You may set your browser to notify you when you receive a cookie and delete any cookies you receive.

Links to Other Sites

Habitat Chesapeake is not responsible for the privacy practices or the content of any other web sites to which it provides links.

Changes to Privacy Policy

Habitat Chesapeake reserves the right to modify our policy as needed at any time. Such revision may be in response to changes in law, policy, our site, or other factors. We encourage you to periodically visit this page to review our most current policy.

Contact Information

If you have any questions or comments about this privacy policy, please contact:

Habitat for Humanity of the Chesapeake
3741 Commerce Drive, Suite 309
Baltimore, MD 21227
info@habitatchesapeake.org
410-366-1250