Home Repair

By providing affordable home repairs, our Home Repair Program preserves homeownership for low-income residents while alleviating critical health and safety concerns. All home repairs are performed by licensed contractors and overseen by our skilled construction staff. Qualified homeowners can find help with a variety of interior and exterior repairs.

Path to Homeownership

Families looking to become homeowners partner with Habitat to build a decent, affordable place to call home. As a Habitat homeowner, you’ll not only buy a home, but you'll gain the stability and security that comes with it and a strong foundation for generations to come.

Below are the steps to qualifying for Habitat Housing:

Step 1: Be Within Income Guidelines

  • Families should be within 35-80% of the Area Median Income (AMI) determined by the Department of HUD

Step 2: Demonstrate Need

  • Present housing not adequate

  • Unsafe of unhealthy living conditions

  • High cost burdens

Step 3: Demonstrate the Ability to Pay

  • Proof of steady income

  • Complete and full disclosure of financial status

  • Debt to income ratio (Outstanding monthly payments divided by monthly income)

  • Acceptable credit

  • Inaccurate or partial information is grounds for denial

Step 4: Be Willing to Partner with Habitat for Humanity

  • Sweat Equity = 500 hours minimum at construction site

  • Ability to take on homeownership responsibilities

  • Participation in homeowner classes

  • Providing timely and complete information

  • Public nature of program

Our application period is currently closed.

Housing Counseling

We are a HUD Certified Housing Counseling Agency. Our one-on-one classes and workshops are 2-hours long and cover a variety of topics to help empower homeowners and homebuyers. We also offer a First-Time Homebuyer Workshop, which is 8-hours.

We provide the following:

  • Merced Residents FEMA Relief

  • California Mortgage Relief Assistance

  • First Time Homebuyer Workshop

  • Financial Literacy Education (Debit/Credit Counseling + Workshops)

Community Capital

Habitat Community Capital leverages investments and community partnerships to make an impact in real people's lives and build stronger communities, together.

Please call (209) 575-4585 Ext. 111 to schedule an appointment or for more information