Welcome to our Homeownership Page!

Would you like to own your home?

If you answer yes to the following three questions, you may be eligible to purchase to purchase a new habitat home.

  1. Are you a Bradley County resident for at least one yar?

  2. Are you willing to partner with Habitat for the program?

  3. Does your income meet the following HUD guidelines?

Things you should know before applying:

Hear from our Homeowner Services Manager:

Hello Future Homeowner,

Habitat for Humanity of Cleveland is so excited that you are looking into our homeownership program. We are honored to have worked alongside more than 159 families in Cleveland/Bradley County to become homeowners and affect our community in a positive way.  Could you be our next homeowner?

I know you are wondering, what all do I have to do to get a home? The homes we build with partner families are not free! Families work hard to learn about finances, budgeting, home maintenance, construction, being a good neighbor and they pay a monthly mortgage payment.  We partner with families to complete sweat equity hours. I hear you asking, what in the world are sweat equity hours? They are physical, working hours that partner families contribute during the process of becoming a homeowner. They are earned in the Habitat classroom, the ReStore and on the construction site. Do not worry. We will not have you on the roof. 

Habitat of Cleveland is not currently accepting applications. In the meantime, on the links below, you will find all the information you need to answer your questions about the homeowner application process. 

1.     Review the Should I Apply Self-Check and complete the online form, if you want to submit a question.

2.     Review the sample questionnaire to see what information we will request.

3.     Review your credit at AnnualCreditReport.com, It’s free!

4.     Review our FAQ’s (frequently asked questions below)

5.     Submit any questions you have to HomeownerServices or click the Homeowner Services Question button under the Apply tab.

Looking forward to working with you in the future,

NaCole Massengill

Homeowner Services Manager