Homeownership

We are not taking applications for our Partnership Housing program at this time. If you would like to be notified when our application cycle opens again, please call (541) 756-9080 or contact us online.

General Eligibility & Qualifications

Applicant(s) must demonstrate a need for housing, an ability to pay an affordable, no-interest mortgage, and a willingness to partner with Coos County Habitat.

Factors for demonstrating a need for housing may include:
– Current housing that is unsafe or in very poor condition
– Current housing size is inadequate for the present or anticipated residents
– Current housing costs are excessive
– Other factors demonstrating a need for the type of housing Coos County Habitat can provide, that goes beyond a personal desire to own a home

Factors for demonstrating an ability to pay an affordable, no-interest mortgage may include:
– A two-year history of stable income
– An acceptable credit history (each applicant’s credit will be analyzed on a case by case basis; “bad credit” does not necessarily disqualify an applicant)
– Ability to cover closing costs and adjustments, typically several thousand dollars
– Ability to afford anticipated mortgage payments, including property taxes and homeowners insurance
– Debt-to-income ratio of 43% of gross monthly income or less

Factors for demonstrating a willingness to partner with Coos County Habitat may include:
– Completing at least 500 hours of sweat equity towards the building of Habitat homes (250 from applicant(s) and 250 from friends or family members)
– Willingness to live in the neighborhood where Coos County Habitat homes are located
– Willingness to attend required workshops for successful homeownership


Habitat reserves the right to waive or alter any of the above criteria based upon the unique situation of the applicant.


Coos County Habitat for Humanity does business in accordance with the federal Fair Housing Act. We do not discriminate against any person because of race, color, religion, sex, handicap, familial status, sexual orientation, age, gender identity, or national origin.