Building strength, stability, self-reliance and shelter


14 Eagles Court

P.O. Box 3392

Cartersville, GA  30120

Phone:  770-382-6293   Fax:  770-382-5310

homeownership faq

Some of our most Frequently Asked Questions (FAQs) about  homeownership are answered here.  You'll find information about who is eligible to buy a Habitat home, owning a Habitat home and building a Habitat home.  If you don't find the answers you are looking for please contact us.

1.  Do you give away homes to people who are poor, disabled or on welfare?

No. The Bartow Area Habitat for Humanity is both a builder and a mortgage company.  All applicants who qualify for a home must have a steady source of income and must repay a mortgage with on-time, in-full payments each and every month.

2.  Do I have to have children to qualify for a Habitat home?

No.  Habitat is a Fair Housing agency, which means we do not discriminate based on race/color, religion, sex/gender, national origin, disability or familial status.  Thus, our program is open to all household types including individuals, couples, single parents with children, couples with children, etc.

3.  If I buy a Habitat home, can I ever sell it?

Yes.  Families who purchase Habitat -built homes can sell them after the first 10 years.  Habitat retains a ""right of first refusal" that requires an owner to ask Habitat if it wants to purchase the home before the owner sells it to a third party   Otherwise, just like any other homeowner, selling a house typically requires marketing it through a real estate broker (including paying commission), continuing to pay the mortgage until it is sold, and you must live in it for the Required 10 years before you can consider selling the home.

4.  Are there any other restrictions on owning a Habitat home?

Yes.  Like all other affordable housing programs, the Bartow Area Habitat for Humanity requires that its houses are homeowner-occupied.  This means that you cannot use it for business purposes, move out and leave it empty, rent it out, or move out and let others live there in your place.  After a homeowner has fully paid off the mortgage, these restrictions are removed.  And, like all other mortgage companies, Habitat requires that the property is maintained in good condition.

5.  If my income increases after I have bought my home, will that affect my status?

No.  habitat encourages all of its homeowners to continually improve their financial status through additional education, training or job promotions/changes that provide better pay, hours and /or location.  Our hopes are that having a stable home will free up time and energy to pursue additional opportunities.

6.  How does Habitat decide where to build?

Habitat acquires land either through purchase or donation, so we have limited areas where we build.  Applicants who want to be part of our program will need to be willing to live where we are currently building.