Become a Homeowner

What is the house like?

Here is a short tour of one of the houses...

Typically, we build in the Hopeland Village area, a development south-east of Oakland, MD. In an effort to serve the northern section of Garrett County, we are now actively seeking homeowner applicants qualified and interested in living in the town of Grantsville, MD.
See also What We Build...

How does it work?

We Offer a Hand Up, Not a Hand Out.
Garrett County Habitat for Humanity, founded in 1983, typically builds three houses each year. These homes are sold, not given, to approved homeowner applicants. Homeowners pay low monthly mortgage payments toward the full ownership of their homes with a 0% interest, 30-year loan. Moving into and owning a home improves the quality of life for residents and instills a sense of pride and responsibility which comes with home ownership.

Pathway to Home Ownership

The first step is to thoroughly review the eligibility requirements and application for our home ownership program here. In order to qualify applicants must:

  1. Demonstrate a need for improved housing including
  2. Meet income eligibility
  3. Demonstrate ability to pay
  4. Live in substandard housing currently
  5. Live or work in Garrett County for the past year
  6. Show willingness to partner with us in a homeowner education program and performing “250 sweat equity hours” per adult in the household.

If you determine that our program may be a good match, the next step is to either print or pick-up an applicant home owner application which explains the steps of our program and provides you with an eligibility assessment. This application includes an authorization for Garrett County Habitat to complete a background check on you and have your credit history pulled via Tenant Reports.

Click on link below to download an application!

Application for GCHFH Home.
Updated 2024 Brochure