A Hand-Up Not a Hand Out

Habitat for Humanity Golden Empire (HFH GE) builds and repairs homes in partnership with hardworking, low-income families and individuals. We offer a hand-up, not a handout, by providing a once in a lifetime opportunity to build a long-term investment for the future.

Habitat homes and home repair services are affordable thanks to government subsidies, volunteer labor, and community support. Homebuyers selected by Habitat pay a modest down payment, invest 200 – 500 hours of “sweat equity” in the construction of their home, and are responsible for monthly mortgage payments and upkeep. In addition, HFH GE prepares Habitat Homeowners to be successful through a comprehensive homeownership education program.

How to Apply for Homeownership through HFH GE

Those interested in applying may complete a Homeownership Interest Form. You may also contact our office at (661) 861-8449 or send an email to info@habitatbakersfield.org. As opportunities become available, interested individuals will receive information about how to apply.


Habitat Homebuyer Program Criteria:

  1. Homebuyers must be able to demonstrate they can afford a zero-percent or zero-percent equivalent mortgage loan and a small down payment.
  2. Habitat Homebuyers must fall within program income guidelines. See below for current program income guidelines:
2016 Income Eligibility Guidelines*
Persons in Family  1  2  3  4  5  6  7  8
Minimum Income Limit $12,400 $16,020 $20,160 $24,300 $28,440 $32,580 $36,550 $38,900
Maximum Income Limit $33,000 $37,700 $42,400 $47,100 $50,900 $54,650 $58,450 $62,200
*Note income guidelines are subject to change per the Department of Housing and Development (HUD) and vary per development.
3. Homebuyers must have good credit (no recent bankruptcies, collections, liens or judgments).
4. Habitat Homebuyers must demonstrate a need for decent and affordable housing.
5. Homebuyers must be willing to partner with HFH GE by completing the following:
200-500 Sweat Equity hours
A HUD-certified pre-purchase homebuyer education workshop
A Home Preservation is a program that helps existing homeowners in need of home repairs. Homeowners contribute to their repairs by working alongside staff and volunteers. Repairs are either provided free of cost or made repayable through a deferred, zero-percent interest note recorded on the property. Read more about our Home Preservation Program.
Habitat for Humanity Golden Empire provides equal housing opportunities for all, and ensures fair and equal access to its programs and services regardless of race, color, religion, gender, national origin, familial status, disability, marital status, ancestry, sexual orientation, source of income, or other characteristics protected by law.