Habitat for Humanity Loan Pool – Alabama

Habitat for Humanity Loan Pool partners with local Habitat affiliates to make homeownership possible for families in need. This may support affordable mortgage terms and requires participation in the Habitat program, including sweat equity. Administered by Habitat for Humanity and AHFA.

Extra Insights:

• Habitat requires buyers to invest 'sweat equity'—volunteering time in construction or support.

• Your monthly payment will be tailored to your income so it is always affordable.

• Many families gain access to financial literacy and home maintenance training through Habitat.

• Must demonstrate a need for affordable housing

• Willingness to partner with Habitat

• Ability to pay an affordable mortgage

• Meet local affiliate income requirements

• Affordable, zero-interest mortgages

• Support from Habitat through the process

• Opportunity to contribute sweat equity

1. Contact local Habitat affiliate

2. Attend information sessions

3. Submit application and documents

4. Participate in interviews and home visits

5. Complete sweat equity hours