Frequently Asked Questions
General Eligibility
- Can I apply if I’m single, don’t have children, or am disabled or retired?
- Can I apply with an Employment Authorization Document (EAD)?
- Can I apply if only one spouse is a citizen or permanent resident?
- Can I apply if I’m separated but not legally divorced?
Employment and Income
- I recently started a new job. How long must I be employed before applying?
- Does child support count toward income?
- Are food stamps counted as income?
Property Ownership and History
Credit and Debt
- Do you look at my credit score? Is there a minimum?
- Will issues like collections or student loans affect my application?
Homeownership
- How long after approval will I move into my home?
- Do I get to choose my home’s location?
- How much will I pay monthly?
- Are Habitat homes part of an HOA?
- Where does Habitat for Humanity of East and Central Pasco County build homes?
Can I apply if I’m single, don’t have children, or am disabled or retired?
Yes. We are an equal housing opportunity provider and do not discriminate based on family status, disability, or marital status. You may apply as long as you meet our three main criteria: need for housing, ability to repay the mortgage, and willingness to partner with Habitat for Humanity.
Can I apply with an Employment Authorization Document (EAD)?
No. Applicants must be U.S. citizens or have a valid permanent resident card (green card).
Can I apply if only one spouse is a citizen or permanent resident?
No. Both spouses must meet the citizenship or residency requirements.
Can I apply if I’m separated but not legally divorced?
No. A finalized divorce decree is required to apply.
I recently started a new job. How long must I be employed before applying?
At least three months with your new employer. If you changed roles within the same company, you may apply immediately.
Does child support count toward income?
Yes, if it is court-ordered and consistent. Informal or undocumented payments do not count.
Are food stamps counted as income?
No. Food stamps are not considered income for application purposes.
Can I apply if I previously owned property?
Yes, if at least three years have passed since the property was sold or transferred.
Can I apply if I’ve filed for bankruptcy?
Yes, depending on the type:
- Chapter 7: Three years after discharge
- Chapter 13: Seven years after discharge
Do you look at my credit score? Is there a minimum?
Yes, we review your credit report, but there is no minimum score. We focus on credit history and debt-to-income ratio.
Will issues like collections or student loans affect my application?
Possibly. A consistent repayment history and manageable debt are important factors.
How long after approval will I move into my home?
Typically 8 to 12 months, though timelines vary based on availability and completion of program requirements.
Do I get to choose my home’s location?
Yes, from available homes once program requirements are partially completed.
How much will I pay monthly?
Monthly payments are based on your income and will not exceed 30% of your gross monthly income.
Are Habitat homes part of an HOA?
Some homes are located in subdivisions with HOAs or COAs, while others are not.
Where does Habitat for Humanity of East and Central Pasco County build homes?
We build throughout Pasco County east of the Suncoast Parkway, including Zephyrhills, Dade City, Wesley Chapel, Land O’ Lakes, Spring Hill, Crystal Springs, and Lacoochee. View our service area
