Apply for Housing from Habitat for Humanity for Northern Santa Barbara County
Habitat for Humanity for Northern Santa Barbara County (46K PDF)

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For more information about how families are selected please read the following information:

Family Selection Criteria Summary

Need for adequate shelter

• Current shelter is inadequate due to physical condition.
• Current shelter has inadequate number of rooms for family members (ages, sexes).
• Family is unable to obtain home loan through other means.
• Family income is no more than 50%, and no less than 25%, of median income for Santa Barbara County

• Cash down payment and closing costs of 0.5% of anticipated loan amount is required.

• Satisfactory credit history and references.
• Household income must not be adversely affected by home ownership.
• Must be a resident of Santa Barbara County.

• The price of your new home will be the lesser of, the cost of construction or the current published price for low income housing in the county of Santa Barbara.

• You will be asked to help build your own home with 500 hours of "sweat equity"  before closing and occupancy can occur. For a married couple, the full 500 hours are required, for a single parent, 250 hours are required. One half of this time can result from the volunteer work of other family members and friends.

• There are significant resale restrictions. These restrictions can vary as they are based on funding available at the time of construction.

• Participation in the Habitat partnership program means that your mortgage will be free of any interest expense