Hillside Morningside Homes

Looking to own a home?

Habitat provides you with the coaching, education, and support to be successful in your homebuying journey.

We can help you buy a home you love with a mortgage you can afford.

Find Out If You're Eligible

Why buy with Habitat?

  • Low-interest mortgage with affordable monthly payments – no more than 31% of your household income.

  • Homebuyer education classes prepare you for the responsibilities of homeownership.

  • We are a trusted partner. For more than 30 years, Trinity Habitat has helped more than 800 families buy an affordable home. Our homes are built to ENERGRY STAR and FORTIFIED standards.

  • Not financially ready yet? You may be eligible for our one-on-one Financial Coaching Program, which offers a customized action plan to help you learn to manage your budget, pay off debt, understand credit, and save for your home purchase.
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Do You Meet The Following Criteria?

Need for Shelter

  • Don’t Own a Home
  • Lack of adequate space
  • Overcrowded living conditions

Need For Shelter

To qualify to purchase a Habitat home, you must not currently own a home.

Other examples that show a need:

  • Pay more than 30% of your monthly income for housing expenses
  • Live in an overcrowded situation,
  • Live in a home with structural, electrical and plumbing problems, no heat, etc.)
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Ability to Pay

  • Employed 12+ Months
  • Meet HUD Income Requirements
  • Paid Rent 12+ Months

Ability to Pay

In evaluating your financial situation, consider the following statements.

  1. Applicants must demonstrate stable and consistent residence (with paying rent) for a minimum of 12 months.
  2. Applicants will be asked to provide paperwork and references that will verify ability to (a) make affordable house payments per month, (b) make utility payments, and (c) budget for home maintenance and repair (inside and outside).
  3. Applicants must have stable and consistent employment for a minimum of 12 months.
  4. Applicants’ credit history will be evaluated to verify that (a) they have no judgments on their credit report, (b) they have no outstanding child support owed, (c) any bankruptcies have been resolved for 2 years, without addition incurred unpaid debt, (d) any repossessions, charge-offs, and foreclosures have been resolved for 2 years, (e) non-medical collections resolved 2 years from date last active, (f) 1% of student loans counted as debt, (g) they have no apartment collections, (h) they have no delinquent student loans, (i) all other debt will be counted in debt to income ratios.
  5. Applicants’ annual income between 30-80% of HUD-defined Annual Median Income (AMI), which is determined by family size (see below chart).
  6. Applicants must meet housing income ratio of 31% and total debt ratio 42% *Note, the housing cost is determined by current market rate purchase costs.
  7. In addition, all applicants must pass OFAC and criminal background checks.

Borrower and/or Co-Borrower, and any dependents under the age of 18 will be considered in the Family Size. Only Borrower and Co-Borrower’s income will be considered.

2021 Income Guidelines

(For Johnson, Parker, & Tarrant County)

Family Size 80% AMI 30% AMI
1 $45,650 $17,150
2 $52,200 $19,600
3 $58,700 $22,050
4 $65,200 $26,200
5 $70,450 $30,680
6 $75,650 $35,160
7 $80,850 $39,640
8 $86,100 $44,120
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Willingness to Partner

  • Invest 200 “Sweat Equity” hours
  • Work alongside volunteers and sponsors

Willingness to Partner

Habitat is unique in how we build houses. We are able to cut our expenses by working with sponsors to provide money to enable us to build each house and then work with volunteers to provide the labor. Of course, our volunteers work under the supervision of our construction staff. In addition, we do not require families to make a down payment on their new home. Most mortgage companies will require a 3%-5% down payment.

The only thing a Habitat homeowner MUST pay prior to taking ownership of their home is the first year’s insurance premium and taxes. With the recent increase in taxes and insurance in the state of Texas, that pre-pay amount is averaging $2,600.

Because we go to great lengths to make homeownership affordable, one of the things we ask of our family partners (homebuyers) is that they commit to work 200 hours of sweat equity. The sweat equity allows homebuyers to work alongside sponsors, volunteers, staff and other homebuyers in the building of other homes, getting involved in the new community, as well as education classes to prepare for homeownership.

If you are interested in becoming a Habitat homeowner, we ask you to consider the following questions:

Are you willing to provide the required documentation and information in a timely manner.

Are you willing to demonstrate willingness to complete 200 hours of sweat equity.

Read Details
Start Your Homebuying Journey

Frequently Asked Questions

This form allows Habitat to assess the prospective homeowner’s information to determine their likelihood of qualifying for the program. This is NOT an application.

Once we receive your Mortgage Counseling Questionnaire and $30 processing fee, you will be notified by mail within 30 business days and the letter will explain what your next step will be in the application process.

Yes. Unless you are legally divorced, your spouse must be included in the mortgage.

After approval, homeowners will be allowed to select their lot from our available lot inventory at the time.

Trinity Habitat for Humanity is not a custom home builder.  With an intent to keep construction costs down and prices affordable, we build a 3 bedroom, 2 bath home.

Have More Questions?

Contact Dalia.Garcia@TrinityHabitat.org or (817) 926-9219

Important Notice

The federal Equal Credit Opportunity Act prohibits creditors from discriminating against applicants on the basis of race, color, religion, national origin, sex, marital status, age (providing the applicant has the capacity to enter into a binding contract); because all or part of the applicant’s income derives from public assistance program; or because the applicant has in good faith exercised a right under the Consumer Credit Protection Act. The federal agency that monitors compliance with the law concerning this creditor is the Federal Trade Commission, Washington, DC 20580.