Homeownership

2026 Homeownership Application:
Opens on Monday, March 10th.
Closes on Tuesday, September 30th.

Know Before You Apply

Habitat homeowners must be active participants in building a better home and future for themselves and their families. Every Habitat home is an investment. For us, it is one answer to a critical need, and we believe that stronger homes will create stronger communities.

  • Prospective Habitat homeowners must demonstrate a need for safe, affordable housing.

  • Homeowners must also be able and willing to pay an affordable mortgage, closing costs, and a downpayment.

  • Once selected, Habitat homeowners must partner with us throughout the process. This partnership includes performing " Sweat Equity,” or helping to build their own home or the homes of others in our homeownership program. Sweat equity can also include taking homeownership classes or performing volunteer work.

Habitat for Humanity of Greater Moses Lake
Homeowner Application Process

The path to homeownership is an important and in-depth process, requiring hard work, time, and dedication. But this helps to ensure the long-term success of Habitat homeowners. The application process can take 6 to 8 months, and if you are selected for a home, it could take an additional 10 to 16 months for the home to be built. The application process depends on you, the applicants, time and availability, and the home build timeline depends on available land and funding.

  1. Fill out a Homeowner application and turn in all required documents.

  2. Work with the organization’s Mortgage Originator to determine the home loan amount you are qualified for and your credit score.

  3. Attend and complete credit counseling and financial literacy courses based on the home loan.

  4. A home visit with an HFHGML Homeowner Selection Committee member

Can anyone apply to be a homeowner?

Yes. Habitat follows a nondiscriminatory policy of homebuyer selection.
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.

HFHGML Mortgage Originators

Guild Mortgage

Kelly Price

Movement Mortgage

Terrilynn Martin

OIC of Washington

OIC of Washington offers first time homeowner classes, credit counseling, and foreclosure prevention. OIC of Washington does not originate the loans for Habitat for Humanity of Greater Moses Lake as that is not part of their services.