Becoming a Habitat Homeowner
Thank you for your interest in learning more about becoming a Newnan-Coweta Habitat homebuyer. Please take a few minutes to review the steps below to determine if Habitat homeownership is the right fit for you and/or your family. At this point in time, NCHFH is no longer accepting applicants for homeownership. If you would like to be notified about future opportunities, please complete the contact form at the bottom of this web page.
Step 1: Applicant Basic Requirements
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Attend an Orientation Session
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You have to have been a resident of Coweta County for the last year OR you have to have worked in Coweta County for the last year
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Employment eligibility verification (I9) required
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Must not have owned a home in the past three years
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Must meet HUD income guidelines (see table below)
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Possess steady and verifiable source of income for at least two years - (Predictable sources of income include: wages, social security, disability, and child support)
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If self-employed, you must be able to provide 2 full years of self-employment tax returns
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Willingness and ability to pay monthly debt obligations
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Total debt-to-income ratio 43% or less
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Be in good standing with creditors - Your credit score and credit history will be evaluated from Equifax, Experian, and TransUnion
Step 2: Do you and/or your family meet the 2022 HUD Income Limits?
Atlanta Metro Median Income $96,400
HUD Equal Housing Statement: “We are pledged to the letter and spirit of U.S. policy for the achievement of equal housing opportunity throughout the nation. We encourage and support an affirmative advertising and marketing program in which there are no barriers to obtaining housing because of race, color, religion, sex, handicap, familial status, or national origin.”