Homeownership Program
Homeownership ProgramBuilding More Than a House—Building a FutureAt Tres Rios Habitat for Humanity, we believe everyone deserves a safe, stable, and affordable place to call home.
Through our Homeownership Program, local families partner with Habitat to build strength, stability, and self-reliance through affordable homeownership. Habitat homes are not given away. Families are selected through an application process and work alongside volunteers, donors, and our community to earn the opportunity to purchase their home.
If you're ready to invest in your future, we'd love to help you take the first step.
Ready to apply?
Visit our application page or contact us at 505-258-9273 to learn more.
Is Habitat Right for You?Applicants are evaluated using Habitat for Humanity's three core selection criteria:
❤️ Need for HousingYour current housing may be overcrowded, unsafe, unaffordable, inaccessible, or otherwise inadequate for your family's needs.
💵 Ability to PayApplicants must demonstrate a reliable source of income and the ability to make affordable monthly mortgage payments.
🤝 Willingness to PartnerFuture homeowners become active partners in the process by completing sweat equity, attending homeowner education classes, and working alongside volunteers.
Basic EligibilityTo apply, applicants must generally:
✔ Live in San Juan County for at least one year.
✔ Meet Habitat income guidelines.
✔ Demonstrate the ability to repay an affordable mortgage.
✔ Complete homeowner education.
✔ Complete 200 hours of sweat equity for each adult (18 years or older) through approved Habitat activities.
What Does the Homeownership Process Look Like?1. ApplyComplete an application and provide supporting documentation.
2. ReviewOur Selection Committee carefully reviews applications and verifies eligibility.
3. Homeowner EducationLearn budgeting, home maintenance, financial planning, and successful homeownership.
4. Sweat EquityPartner with Habitat by volunteering on your future home, another Habitat build, the ReStore, or other approved projects.
5. Purchase Your HomeHabitat families purchase their home through an affordable mortgage.
Financial ResponsibilitiesFuture homeowners should plan for:
Coming Soon: Building Hope in Fruitland🏡 The next chapter of Habitat begins in Fruitland.
Tres Rios Habitat for Humanity is preparing to build our next homes in Fruitland, New Mexico, creating opportunities for families while bringing together volunteers, businesses, churches, schools, and community partners.
This community build will be more than constructing houses—it will be neighbors helping neighbors and creating lasting change together.
If you're interested in becoming a homeowner, volunteering, or supporting this exciting project, we'd love to hear from you.
Questions?📞 505-258-9273
📧 [email protected]
🌐 www.tresrioshabitat.com
Our Selection Committee is happy to answer questions and guide you through the application process.
Through our Homeownership Program, local families partner with Habitat to build strength, stability, and self-reliance through affordable homeownership. Habitat homes are not given away. Families are selected through an application process and work alongside volunteers, donors, and our community to earn the opportunity to purchase their home.
If you're ready to invest in your future, we'd love to help you take the first step.
Ready to apply?
Visit our application page or contact us at 505-258-9273 to learn more.
Is Habitat Right for You?Applicants are evaluated using Habitat for Humanity's three core selection criteria:
❤️ Need for HousingYour current housing may be overcrowded, unsafe, unaffordable, inaccessible, or otherwise inadequate for your family's needs.
💵 Ability to PayApplicants must demonstrate a reliable source of income and the ability to make affordable monthly mortgage payments.
🤝 Willingness to PartnerFuture homeowners become active partners in the process by completing sweat equity, attending homeowner education classes, and working alongside volunteers.
Basic EligibilityTo apply, applicants must generally:
✔ Live in San Juan County for at least one year.
✔ Meet Habitat income guidelines.
✔ Demonstrate the ability to repay an affordable mortgage.
✔ Complete homeowner education.
✔ Complete 200 hours of sweat equity for each adult (18 years or older) through approved Habitat activities.
What Does the Homeownership Process Look Like?1. ApplyComplete an application and provide supporting documentation.
2. ReviewOur Selection Committee carefully reviews applications and verifies eligibility.
3. Homeowner EducationLearn budgeting, home maintenance, financial planning, and successful homeownership.
4. Sweat EquityPartner with Habitat by volunteering on your future home, another Habitat build, the ReStore, or other approved projects.
5. Purchase Your HomeHabitat families purchase their home through an affordable mortgage.
Financial ResponsibilitiesFuture homeowners should plan for:
- $500 down payment
- Approximately $1,500 in closing costs
- Affordable monthly mortgage payments (currently estimated around $800, including taxes and insurance, though actual payments vary)
Coming Soon: Building Hope in Fruitland🏡 The next chapter of Habitat begins in Fruitland.
Tres Rios Habitat for Humanity is preparing to build our next homes in Fruitland, New Mexico, creating opportunities for families while bringing together volunteers, businesses, churches, schools, and community partners.
This community build will be more than constructing houses—it will be neighbors helping neighbors and creating lasting change together.
If you're interested in becoming a homeowner, volunteering, or supporting this exciting project, we'd love to hear from you.
Questions?📞 505-258-9273
📧 [email protected]
🌐 www.tresrioshabitat.com
Our Selection Committee is happy to answer questions and guide you through the application process.
2025-2026 Future Homeowner – Jasmine
We are thrilled to welcome Jasmine as the future homeowner of our first fully accessible Habitat home, located in Bloomfield. After facing a life-altering injury, Jasmine continues to move forward with strength, determination, and an unwavering spirit.
In her own words:
"To me being a Habitat homeowner is a huge blessing! I don’t see any other possibility where I would be able to have a safe, affordable and accessible home ensuring that I can live an independent life all on my own. I’m so excited for this journey moving forward and this will be a huge part of my life! I’m so grateful for Tres Rios Habitat for Humanity and I thank everyone who is included in this process and who will be continuing to help. Thanks again."
We are thrilled to welcome Jasmine as the future homeowner of our first fully accessible Habitat home, located in Bloomfield. After facing a life-altering injury, Jasmine continues to move forward with strength, determination, and an unwavering spirit.
In her own words:
"To me being a Habitat homeowner is a huge blessing! I don’t see any other possibility where I would be able to have a safe, affordable and accessible home ensuring that I can live an independent life all on my own. I’m so excited for this journey moving forward and this will be a huge part of my life! I’m so grateful for Tres Rios Habitat for Humanity and I thank everyone who is included in this process and who will be continuing to help. Thanks again."
Tres Rios Habitat for Humanity |
Habitat ReStore |
