Once our application window is open, the application process may take up to three months to complete. If you are selected as a Habitat Partner Family, your home may take an additional 15 months to build.

Application Inquiry: If you would like to learn more about our home ownership program and discuss program requirements and qualifications, please call (505) 986-5880 to make an application inquiry. You may also visit our office in-person at 2520 Camino Entrada, Santa Fe, NM 87507 to make an inquiry. Once our application window is open, we will contact you to let you know that you are able to complete an application at that time.

Financial Review: After your application has been completed and returned promptly, your financial information will be verified, a credit report will be obtained, a budget will be developed, and your ability to pay a mortgage will be assessed.

Home Visit: Family Selection Committee members will visit your home and meet your family, ask further questions and discuss partnering with Habitat.

Selection: The Family Selection Committee reviews applications and selects applicants who qualify for a Habitat home. The Habitat Board will decide which families will become Habitat Partners.

Letter of Agreement: A Letter of Agreement between you and Habitat will be signed before you begin your sweat equity hours.

Advocate: You will be assigned an advocate who will help you through the home buying process.

Construction: If accepted as a Habitat Partner Family, you will be required to complete 350 – 500 sweat equity hours at our Build Site while your home is being constructed. You must also save toward your down payment of $1,300 before construction finishes on your home.

Move In: After completion of your sweat equity hours, down payment, and construction on your home is finished, a mortgage will be signed between you and Santa Fe Habitat. Santa Fe Habitat mortgages typically are for 30-years at 0% interest. Monthly mortgage payments will be based upon your income at the time of closing and include escrow costs of homeowner’s insurance, property taxes, and homeowner’s association dues (if applicable). After move-in, a dedication will be held at your house to celebrate your accomplishment of homeownership.