Building a Better Community Through Affordable Home Ownership

Become a Homeowner

Habitat NOVA Homeownership Program

Habitat NOVA is dedicated to eliminating substandard housing through construction, rehabilitation, and preservation of homes; by advocating for fair and just housing policies; and by providing training and access to resources to help families improve their housing conditions. Habitat for Humanity was founded on the conviction that every man, woman, and child should have a simple, durable place to live in dignity and safety and that decent shelter in decent communities should be a matter of conscience and action for all. Habitat NOVA works in partnership with families, donors, and volunteers to build stable, affordable homes and provide zero-interest mortgages to low-income families. Thank you for your interest in our program.

How do I apply for the Homeownership Program?

If you are interested in applying for the Habitat NOVA housing program, the first step is to complete the eligibility questionnaire below. Potential applicants will receive an email shortly after submitting the questionnaire confirming receipt of their questionnaire information. Completing this form does not constitute an application for the program, a home or a mortgage.

Click here to complete the
pre-screening questionnaire.

Each year we open an application cycle prior to the start of construction for each project. The dates for the 2017 application cycle have not been scheduled. To receive advance notification of the next application cycle, you may add your name to our contact list by filling out this questionnaire.

What is the criteria for eligibility?

  • Demonstrate an ability to make monthly mortgage payments to repay for a Habitat home.
  • Annual household income must be between 30-80% of the Area Median Income, as determined by HUD.
  • Demonstrate a need for safe and affordable housing. To be considered, applicants must be currently be living in substandard, inadequate, overcrowded or cost-burdened housing. To be considered, applicants must not qualify for other/conventional financing.
  • Willingness to partner with Habitat, complete financial education, and contribute 300-400 sweat equity hours to help build Habitat homes.
  • Must be legal permanent residents of Arlington County, Fairfax County, or the cities of Falls Church, Fairfax or Alexandria.

What are the next steps after completing the questionnaire?

Following the receipt of your pre-screening questionnaire, Habitat NOVA will be invited to apply during the next application cycle. Currently, the application cycle is CLOSED. We are working hard to prepare for our next application cycle and anticipate that the cycle will reopen in late summer 2017. We will make an announcement to interested applicants as soon as we know when this will be.

What happens during the “application cycle?”

The Habitat NOVA application cycle includes a thorough underwriting process designed to identify families who can qualify to purchase a Habitat home. The application process seeks to determine applicants: ability to repay a mortgage, willingness to partner with our organization, and need. To be considered applicants must complete the entire application process within the timeline outlined at the beginning of an application cycle. If an applicant fails to complete any individual step, this constitutes withdrawal of their application.

How long does the process take?

Once we complete an application cycle and a family is selected to partner with our program, the process can take one to two years before home delivery. Our Habitat construction calendar and weather are the leading factors in determining construction timelines.

What if I’m not selected for the next Habitat NOVA home?

If you are not selected during an application cycle, applicants are encouraged to resubmit a pre-screening questionnaire for the next one; there is no limit to the number of times an applicant may apply.

What are the financial prerequisites?

For Habitat NOVA homeownership, prerequisites include an ability to make a 1% down payment, a demonstration of fiscal responsibility, and a reported income of 30-80% of our area’s median income (AMI). The median family income (MFI) in our region is $108,600. Refer to the table to below to determine if you meet this criteria:

1 Person 2 Person 3 Person 4 Person 5 Person 6 Person 7 Person
35% $26,607 $30,408 $34,209 $38,010 $41,051 $44,092 $47,132
40% $30,408 $34,752 $39,096 $43,440 $46,915 $50,390 $53,886
50% $38,010 $43,440 $48,870 $54,300 $58,644 $62,988 $67,332
60% $45,612 $52,128 $58,644 $65,160 $70,373 $75,586 $80,798
70% $53,214 $60,816 $68,418 $76,020 $82,102 $88,183 $94,265
80% $60,816 $69,504 $78,192 $86,880 $93,830 $100,781 $107,731

FEDERAL CREDIT EQUAL OPPORTUNITY ACT

Habitat for Humanity of Northern Virginia family selections are made in compliance with the Federal Credit Equal Opportunity Act on an impartial and non-discriminatory basis. Race, color, national origin, marital status, familial status, sexual orientation, age, religion and disability play no part in family selection.
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