1. To qualify you must have housing need. For example: no indoor plumbing, poor heating, leaks in the roof, overcrowding (three to a bedroom), unsafe or unsanitary conditions. You may also qualify by paying more than 30% of your income on rent.

2. You need to have lived in St. Mary's or Calvert County area for a year.

3. You need to have a steady income for Calvert (37,000-54,000 for a family of four)* St. Mary's (31,000-48,000 for a family of four)*

4. With your permission verifications of financial information will be completed.

5.Continued perticipation in home owner education is encouraged.

6. If approved for a Habitat home, there is a requirement of sweat equity to be worked.

7. If approved for a Habitat home, there is a requirement of sweat equity to be worked.

8. If you are approved for a home and if you meet the sweat-equity and down payment requirements, then we will sell you a home at cost. Habitat house payment sinclude taxes and insurance and will cost approxiamately $500-$700 a month.* The house payments will be used by Habitat to build more houses with other families. This requires that you make these payments on time.

If you are interested in partnering with Habitat and believe you qualify for a home according to the above guidlelines, we encourage you to register for our upcoming Application Orientation Workshop being held at the Leonardtown Library on November 10th & 17th. Call 301-863-6227 to Register!!