Frequently asked questions - Homeownership

What is the first step toward purchasing a Habitat home?

First, you can review the criteria for selection here. If you think the Habitat program may be a good fit for you, fill out our eligibility questionnaire here or call our office at (518) 462-2993 x107 to complete the questionnaire by phone or schedule an appointment to complete it in our office.

How are applicants selected?

Your answers to the eligibility questionnaire will help Habitat staff determine whether or not you qualify to receive a full application. Once you return a completed application and supporting documentation, Habitat conducts an internal review for completeness. Then, we submit your application to one of our banking partners for their underwriting and mortgage loan approval.

We are pledged to the letter and spirit of the U.S. policy for the achievement of equal housing opportunity throughout the nation.  We encourage and support an affirmative advertising and marketing program in which there are no barriers to obtaining housing because of race, color, religion, sex, handicap, familial status, or national origin.

Will credit checks or background checks be conducted?

Yes, Habitat conducts credit and background checks on all applicants. A criminal history does not automatically disqualify an applicant; any issues that come up in a background check will be handled on an individual basis.  Habitat will verify employment, obtain housing and banking references, and check credit to make an assessment as to whether Habitat is an appropriate program for the applicant(s). Habitat does not have a minimum credit score requirement, but credit history and debt will be assessed by us and our banking partners. Applicants cannot have filed bankruptcy in the last four years.