No. Habitat homeowners help build their own homes alongside volunteers and pay an affordable mortgage.

Habitat for Humanity of Tampa Bay Hillsborough works to acquire affordable residential buildings lots throughout Hillsborough County. We offer home sites as land opportunities become available to us. **Veterans are urged to apply through the Veterans Initial Screening Form

No down payment is required. However, future homeowners are required to play closing costs and work Sweat Equity, which is each future homeowner's investment into their property.

Sweat Equity is the actual physical labor that future homeowners work building Habitat homes or volunteering in the Habitat ReStore or Habitat administrative offices. There is no monetary value to Sweat Equity. It does not qualify as down payment. Sweat equity is intended to contribute to three fundamental goals in the Habitat program: 1. Partnership; 2. Pride in ownership and 3. Development of skills and knowledge

No, but decent or repairable credit is important. Habitat Tampa Bay Hillsborough examines the credit history, rather than just a credit score. The limit for non-medical collections is $1,500 total. Non-medical collections must be paid off prior to closing. Habitat Tampa Bay Hillsborough does not consider medical collections unless a single collection is $2,000 or more.

Bankruptcies must be discharged for at least 48 months

Habitat considers what shows up on a credit report: revolving credit (credit cards), car loans, student loans, any other type of installment loan, etc. We don’t consider car or life insurance or child care.