Our Unique Homeownership Program

The most important people in the Habitat for Humanity of Greater Centre County community are the families we serve. Since 1983, we have helped people invest in themselves and their communities through affordable homeownership.

In accordance with Federal Fair Lending Laws, HFHGCC does not maintain a waiting list of applicants and does not discriminate on the basis of race, color, national origin, religion, sex, handicap, or familial status. The number of applicant households approved for HFHGCC homeownership is driven by the availability of properties. We invite interested applicants to apply NOW!

Contact our team at office@habitatgcc.org or call 814 353 2390 for application information. 

Program Requirements

• A citizen or permanent legal resident of the U.S. who has lived or worked in Centre County for the past year.
• Household size of one or more persons.
• Meet income guidelines based on area median income (outlined below). HFHGCC considers predictable sources of documented income such as social security, self-employment, disability, and child support.
• Meet credit guidelines - HFHGCC will review your tri-merge credit report (report from all three credit bureaus Equifax, Transunion, and Experian):
  • Overall payment history is considered.
  • Medical bills are not considered unless there is a judgment.
  • A bankruptcy must be four years past discharge before applying.
  • Annual debt-to-income ratio less than 15%, and monthly debt-to-income ratio less than 41%. 
  • Total past due non-medical debts cannot exceed $2,000.  
• Be willing to live in and participate in the communities where HFHGCC is building at the time your application is approved. The organization has previously built in Bellefonte, Centre Hall, Milesburg, Millheim, Philipsburg, Port Matilda, Snow Shoe, and State College. 

Household Income Guidelines (Annual)

*Centre County FY20 Median Family Income (provided by HUD)