1. Homeownership 
   Must be a first-time homebuyer or have not owned a home in the last 3 years.  
2. Willingness to Partner 
   Homebuyers participate in the construction of their home by completing 200 hours of sweat equity. Hours can also be completed by attending required classes, volunteering at our ReStores or by volunteering in your community. 
3. Need
   We serve households that make between 35%- 80% of the Area Median Income for the Portland Metro Area.
4. Ability to Pay 
   Applicants must demonstrate the ability to repay an affordable mortgage. We verify income, work history and credit during the application process. Applicants must have a minimum verifiable combined gross income of $30,000 and 2 years of work history for any employment income. Habitat does not have a minimum credit score requirement, but we do take into consideration your credit history and current debt.  

Please contact homeownership@habitatportlandregion.org for additional information regarding our financial qualifications.   

Homeownership Interest Form 

Please note that this interest form is not an application for a Habitat home, but provides us with your contact information so that we can notify you when we will be accepting applications.