Steps to Home Ownership

From Qualifying to Moving In

Step 1 – Determine Qualifications

Habitat partners with applicants who demonstrate a need for adequate housing, willingness to partner, and the ability to pay a mortgage. Click here for more detailed information.

Step 2 – Contact Us to Apply

The process of applying for to the Homeownership Program begins by contacting us to be added to our inquiry list. Please call (503) 687-1413 or email the Program Coordinator, Michelle Huber at You will be given more information about the program, and will be added to a list of people who will be notified to apply when applications reopen.

*Please note that our application period for Spring 2024 has closed. Our applications are based on the construction timeline and fundraising timeline.

Step 3 – Submit Your Application

During our open application window, you may submit an application with all required documentation – mail or deliver the application to the Habitat office. The information will be reviewed by the Homeowner Selection Committee to determine if you are eligible to continue the process toward becoming a Habitat homeowner.

Step 4 – Await Approval

If you are approved by McMinnville Area Habitat for Humanity’s Board of Directors, then you will be notified and can get started on the Homeownership Program requirements!

Step 5 – Education & Volunteering

Our staff will guide you through the process of becoming a homeowner through Habitat. This includes taking homebuyer education classes and completing a minimum of 250-500 “sweat equity” volunteer hours. Sweat equity is an exciting learning experience in which you work with family, neighbors, and friends to build other homes as well as your own. Hours can be earned on the construction sites, at special events, in our ReStore, or in the office.

Step 6 – Begin Construction

You will continue your sweat equity hours throughout the construction process of your new home.

Step 7 – Your Home Dedication

Habitat staff, volunteers, and sponsors who have been with you every step of the way gather with your family and friends to dedicate your new home!

Step 8 – Move in!

Lifetime Partnership: After we close on the house, you move in! Habitat homeowners are expected to remain engaged with Habitat’s mission by staying in good communication with Habitat, making timely mortgage payments, and assuming an active role in their neighborhoods and as mentors to new families entering the process.