Are you or someone you know a veteran and interested in our veterans community in Pacifc? Contact us to learn more!
In 2014, Habitat for Humanity Seattle-King County set aside two homes in the La Fortuna community in Renton as veteran’s homes. Due to a generous donation from the Harnish Foundation, two veteran families were able to move into their new homes in 2016. After working with the veteran’s community to recruit the homebuyers for these units, Habitat SKC realized there was a need for more homeownership opportunities for veterans. As a result, Habitat SKC is currently building a 9-home veterans community in Pacific, Washington. This community, called Megan’s Meadow, is the result of a partnership between Habitat SKC and the City of Pacific.
Construction at Megan’s Meadow began in September 2016 and is expected to last until 2018. Our veteran partner families are currently building alongside staff, AmeriCorps, volunteers, and veteran service groups such as Team Rubicon, The Mission Continues, and Team Red, White and Blue. With our help, Habitat homeowners achieve the strength, stability and self-reliance they need to build a better life for themselves and their families.
If you or someone you know is a veteran and is interested in learning more about our homeownership program, register below to attend our next information meeting.
Habitat for Humanity Seattle-King County does not discriminate because of race, color, religion, sex, handicap, familial status, sexual orientation, age, gender identity, or national origin.
If you are an applicant with a disability and need accommodations to access any of our services, please contact the Homeowner Services Department at 206.855.5193. TTY relay services are available by dialing 711.
How to Apply
Overview: Applying to our homeownership program will take time. It can take 3-4 months to complete the application process. However, there are things that you can do to speed up the process such as turning in your application materials as soon as possible and turning application in completed so we don’t have to ask for revisions. Additionally, after you complete the application and are approved into the program, it takes another 6-12 months before you can move into your house due to the time it takes to complete the 250 hours of sweat equity and the time it takes to build a home if you are buying a new construction house. Below we outline the different phases of the application process.
Step 1 – Mailing List: If you are interested in applying for the homeownership program, after reading the qualifying criteria, sign up for our mailing list on this page. This information is sent to our Homeowner Services Department, who will invite you to an upcoming information meeting.
Step 2 – Information Meeting: Register for an information meeting using the calendar at the bottom of this page. This meeting is required for all applicants. At this meeting, you will learn more about the program and receive a pre-application to fill out. The pre-application is not the full application. We use it to determine if you are initially qualified by pulling a background check, sex offender registry check, and credit report. You cannot get a pre-application without attending an information meeting.
Step 3 – Second Orientation: After we process your pre-application, you will be invited to a second orientation if you qualify. If you do not pass the pre-application phase you will get a letter in the mail explaining why. At the second orientation, we will go more in depth into the program and you will receive the full application.
Step 4 – Underwriting: Once you turn in the full application, it is reviewed and sent through underwriting to establish your affordability. If you pass this phase, you will be invited to a homebuyer interview.
Step 5 – Homebuyer Interview: The homebuyer interview is given by 2-3 Habitat volunteers. We ask that you bring everyone who will be living in the home if possible. The interview is meant to get to know our applicants better and make sure they understand the program. It is also a chance for the applicants to ask questions about the program. After the interview, we will go over your affordability documents that you will take with you to a lender to get pre-qualified for a mortgage.
Step 6 – Pre-Qualification: Habitat for Humanity Seattle-King County is not a lending service; you will have to find your own lender. You will be asked to get pre-qualified for a mortgage from a Washington State Housing Finance Commission approved lender.
Step 7 – Final Approval: Once you are pre-qualified from a lender, your application will go to our Senior Leadership Team for final approval. If you are approved, you will be notified by your interviewers from Step 5 that you have been welcomed into the program.
Family Selection Criteria
Habitat for Humanity of Seattle-King County believes and insists on nondiscriminatory family selection criteria for all homeowner applicants. Homebuyers applying to Habitat for Humanity of Seattle-King County must meet the following criteria:
Demonstrate a need for adequate and affordable housing:
Applicant must be a first time homebuyer.
One of the following must be TRUE:
1. The applicant is “cost burdened” (defined as spending more than 30% of their gross income for housing).
2. The applicant is living in overcrowded, run-down, defective, or unsafe housing..
3. The applicant is living in subsidized housing or a temporary housing situation (ex: Section 8).
Demonstrate ability to pay:
An applicant’s gross income must be less than 80% of King County’s median income based on family size. The average monthly payment for a Habitat for Humanity house is $900 – $1300.
Monthly backend debt (including card or credit card payments) must be no more than 43% of an applicant’s monthly income.
Applicants must have a minimum credit score of at least 620 and their credit report must be clear of liens and judgments. Any bankruptcies must be discharged at least 4 years ago.
2018 Income Guidelines
|Family Size||Minimum Income||Maximum Income Allowed|
Willingness to Partner
Sweat Equity: An applicant must be willing to complete 250 hours of sweat equity per household. Sweat Equity is Habitat’s term for the labor that Habitat homeowners put into building their houses and the houses of their neighbors.
Households are required to complete at least 250 hours of sweat equity. They can complete their hours on our construction sites, in our stores, through homeowner education classes, or by working in our office. We can accommodate individuals with disabilities on a case by case basis.
Before making a phone call or sending an e-mail, take a look at some of the common questions people have about our homeownership program. Learn more>>
Meet Habitat Homeowners
Habitat has housed hundreds of families over our 30 year history in Seattle–King County. Read some of our homeowner stories and see pictures of completed homes around the area. Learn more>>
Education & Resources
Whether you’re a Habitat homeowner, home repair applicant, or a member of the community looking for help, we’re here for you. Click through for local housing and family resources. Learn more>>
Home Repair Program
The Home Repair Program helps low-income homeowners restore and maintain their homes. Habitat will partner with homeowners to alleviate critical health and safety issues and complete needed home improvement projects. Learn more>>