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Thank you for your interest in partnering with Habitat. 2020 applications are canceled due to COVID-19.

The need for affordable housing is immense, and the lasting impact homeownership can have on families and individuals is undeniable. Habitat Lincoln homes are not free - each family who partners with us is making a personal and financial investment in their future. 

We partner with hard-working, families to help them build a better life for themselves and their loved ones - because we know that decent, affordable shelter offers strength, stability, and self-reliance. Habitat homes are sold with an affordable mortgage that is no more than 30% of a homeowner's monthly income. 

Many faith, business and community partners contribute funding, construction labor, lunch and much more to each home that is built in our community.

COVID-19 Update

The first half of 2020 has brought unimaginable challenges to individuals and families in our community. Businesses and nonprofit organizations like ours are facing challenges too. Due to the impact of the coronavirus pandemic, we are canceling our 2020 Homeownership Program application cycle. 

This past March, we closed our build sites and ReStore to help slow the spread of COVID-19. The health and safety of our staff, volunteers, supporters, and future homeowners has been and remains our top priority. This shutdown, however, severely slowed our construction schedule. We have four houses under construction currently and still have several families in our pipeline to build for this coming year. We are working tirelessly to honor the commitments we made to these future homeowners and are doing everything we can to get our construction efforts back on schedule.  

Our annual application cycle takes place in August each year. While we will not be accepting applications this year, we are working on opportunities to increase services and resources to help our community. We are committed to working with families to help them prepare for homeownership—whether in our program or elsewhere. Additional information will be shared with you in the months ahead regarding our next application cycle which will open in August 2021. In the meantime, we will do what we can to assist in other ways.

This was a very difficult decision to make. Helping families in our community achieve homeownership is our mission. While we are disappointed to cancel our 2020 application cycle, we look forward to coming into next year’s application period in a stronger position.  

Please continue to check back here for additional resources over the next few months. If you have additional questions, please contact homeownership coordinator, Theresa, at (402) 480-6205. 

As a Homeowner

As a homeowner you have an increased responsibility of home and community upkeep. Living in a stable and safe home is influential to a positive future of children and families. Homeownership is important to children and youth because it improves health and academic performance. 

Habitat homeowners are chosen based on their need for housing, income level, and willingness to partner with Habitat for Humanity of Lincoln. Qualifying families income is below 50% of the median income for Lancaster County. Habitat homeowners pay an affordable mortgage. Mortgage payments are recycled into the building fund, which is used for the construction of more homes. 

Applying for a Habitat home is a thorough and detailed process. Homeowners are selected based on their need for housing, willingness to partner and ability to repay the mortgage. Want to find out if you're eligible to participate in our homeownership program? Review the financial income and general qualifications below to understand the criteria for being selected into the program: 

General Requirements: 

  • Must be a U.S. citizen or legal permanent resident (green card holder)
  • Cannot currently own a home
  • If married, both spouses must be co-applicants, and your spouse must live in the Lincoln are (can not live outside the country)
  • Cannot be a registered sex offender

Financial Requirements:

  • Maintain a monthly gross income within our income guidelines (listed below)
  • Have good credit within the last 24-months
  • Minimum of six consecutive months of employment on all current jobs, or two-years of self-employment 

Click here to read more about the Affordable Homebuyer Program, qualifications, application process, and more. 

2021 Income Guidelines

Family Size 1 2 3 4 5 6 7 8
Minumum $17,325 $19,800 $22,275 $24,750 $27,225 $28,875 $30,525 $33,000
Maximum $33,825 $36,300 $38,775 $41,250 $43,725 $45,375 $47,025 $49,500

Sweat Equity

Through our partnership with families and individuals, we equip future homebuyers with the strength and self-reliance you'll need to be successful homeowners. Families who are accepted into the program will be required to complete 300-400 sweat equity hours. Take a look below at a few of the ways this important investment of time is made. 

Work Sites: Being involved in the process of building or renovating Habitat homes - including your own.

Education: Classes involving financial education, hands-on maintenance training, future planning, and more.

ReStore: Lending a hand at ReStore to collect, organize, and sell gently used home building supplies. 

Request Information

Questions about Homeownership? Fill out the form below to receive information on our Homeownership Program. 

Habitat Lincoln is an Equal Housing Lender organization. Loan decisions are made without regard to race, color, religion, sex, national origin, handicap or familial status.

Our Contributors

  • Community Services Fund
    Community Services Fund
  • Equal Housing Lender
    Equal Housing Lender
  • Equal Housing Opportunity
    Equal Housing Opportunity
  • HBAL
  • RAL
  • NAM member logo

    NAM member logoMember of Nonprofit Association of the Midlands

  • Guide Star
    Guide Star