You Could Own a Home

Habitat homeownership is NOT a gift. Habitat homes are for middle income people or families who would otherwise be unable to buy a home. We help you work to buy your own home with a mortgage of 30% or less of your gross income, probably less than you pay in rent.

Examples of people who might qualify for a Habitat Home in Leelanau County

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Adult Couple
Income up to
$50,000 a year

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Single Adult
Two Children
Earning up to
$27 an hour

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Single Adult
Earning up to
$21 an hour

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Two Adults
Two Children
Income up to
$63,000 a year

Habitat homeownership can change your life.

 Our Homeownership partners are part of the Habitat-GTR Family. When you are accepted into the homeownership program you will have our full support.

Habitat homeowner

•Training for Personal Financial Management skills.

•A personal mentor through the homeownership process.

•Knowledge and experience with your home and it's construction.

•A sense of belonging to the community.

•Volunteer support.

•Down payment assistance.

•Homeownership when it would not be otherwise possible.

•Mortgage payments no more than 30% of income.

•Stability, pride and equity with homeownership.

How do we select our partner families?

Need:  Need varies from family to family.  The level of need is determined by our family selection committee.

Ability to pay an affordable mortgage:  Habitat for Humanity – Grand Traverse Region offers opportunity for homeownership to families whose income is 30 to 80 percent of the area’s median income.  

Willingness to partner: This includes taking classes in Financial Management and Budgeting, Home Maintenance, as well as performing ‘sweat equity hours’ to help build/renovate your home or the homes of others.

2021-2022 30-80% AMI Table

What is sweat equity?

In most cases, prospective Habitat for Humanity – Grand Traverse Region families contribute 275 (per adult) hours of ‘sweat equity’ on a combination of education and in the construction or rehabilitation of their home.  Family and friends are able to assist the homebuyer in completing sweat equity hours, up to 40 hours.

Sweat equity is an exciting cornerstone to the Habitat ministry designed to meet three important goals:

  • Partnership – meaningful interaction between partner families, affiliate representatives and Habitat volunteers
  • Pride in homeownership – Investing in sweat equity hours in their own homes helps families begin the transition to homeownership.
  • Development of skills and knowledge – In the classroom families participate in Home Maintenance classes to equip them with basic skills they could use in their home in the future. Classes in Financial Management, Budgeting, Use of Credit, etc. helps the family understand what they need to do once they own their home to be able to maintain their home long-term. On the build site, partner family members gain a real understanding of the construction or rehabilitation of their home and of the maintenance issues they will face during occupancy.

Apply for Habitat Homeownership

It is easy to begin the homeownership process. The Step One application is one page of basic questions that most people can complete in under an hour.

Download the Homeownership Step 1 application

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.

Email your completed application
email: homeservices@habitatgtr.org

Mail the completed application to

Homeowner Services Manager
Habitat - Grand Traverse Region
P.O. Box 5412
Traverse City, MI 49696

Drop off the completed application

Homeowner Services Manager
Habitat - ReStore
2487 Rice Street
Traverse City, MI 49684

Please enclose the application in a sealed Envelope.

The ReStore is open Tuesday through Saturday, 10am - 4pm.