BUILDING HOMEOWNERSHIP TOGETHER


Habitat for Humanity of Mahoning Valley works with individuals and families across Mahoning, Trumbull and Columbiana counties to help them achieve the dream of homeownership. Our team works with you - from the initial application to the final moment you get the keys for your home. 

We provide safe, decent, affordable housing to our qualified people through our Habitat Homeownership Program.
This is a true partnership.
The home you receive isn't free - it is a commitment that requires monthly mortgage payments AND 250-500 hours of your time put into building, training and preparing for homeownership.

The Habitat application process is outlined below - please take a close look at the homeownership requirements.
Our application window is open NOW 

                


HOMEOWNERSHIP GUIDE - INCOME GUIDELINES 

  • Your annual pre-tax income must fall within the income guidelines listed below based upon your household size.
  • These amounts are updated yearly and Habitat for Humanity of Mahoning Valley reserves the right to update them as needed.

Family Size
    1 
    2
     3
     4
    5
    6
Min. Annual Gross Income
     $16,450
       $19,720
       $24,860
      $30,000
      $35,140
      $40,280
 Max. Annual Gross Income
     $43,900
      $50,200
      $56,450
      $62,700
      $67,750
      $72,750
         *Annual gross income is defined as total gross income of all people living in a home over the age of 15 at time of program qualification*


ARE YOU READY FOR HOMEOWNERSHIP WITH HABITAT?

GENERAL PROGRAM REQUIREMENTS:

  • Demonstrate a need for shelter and cannot presently own your own home.
  • Willingness to partner with Habitat by completing 250 "sweat equity" hours per adult in the household.
  • The ability to attend financial and homeowner education classes.
  • Must be a U.S. citizen or legal permanent resident.
  • Willingness to purchase a home in Mahoning, Trumbull or Columbiana counties.
  • Cannot be a registered sex offender and all family members must pass a criminal background check.
  • Cannot have drug violations within the previous 2 years.

FINANCIAL REQUIREMENTS:

  • Have and maintain an annual gross income within Habitat guidelines

  • Ability to pay mortgage payments - including taxes and insurance (average $500 per month)

  • Bankruptcy must be fully discharged for 2 years, no unpaid liens, judgements or civil suits pending

  • Must maintain a qualifiable, sustainable income, reasonably guaranteed for 3 years.

  • Present job time of 6 months and a 2-year history of stable income and employment 

  • Monthly debt obligations must be less than 43% of your income



    *We do not provide emergency housing or rental homes*
    *Average program timeline is 12-24 months*

    APPLY FOR YOUR HABITAT HOME

    If you feel you have met the above criteria, you are welcome to apply for homeownership with Habitat for Humanity of Mahoning Valley.
    Our application window is open NOW

    Applications may be downloaded OR picked up from our Habitat Office located at 1919 E. Midlothian Blvd., Youngstown OH 44502 during regular office hours (Monday-Friday from 9:00AM - 4:30PM).

    DOWNLOAD APPLICATION HERE


    Have a question about possible homeownership?

    Contact Beth - Family Services Program Coordinator 
    bvalerio@hfhmv.org