All Habitat homeowners go through a rigorous application process. Each qualified applicant puts in at least 250 hours of volunteer work which includes attending financial literacy and home maintenance classes. Approved homebuyers will receive a mortgage made affordable to them thanks to our donors and volunteers.

Habitat for Humanity Susquehanna relies on financial and in-kind support to continue our mission of helping low-income applicants become homeowners. Currently only 4% of our building materials are donated, the remaining 96% are purchased through financial donations.  Your financial support to Habitat for Humanity Susquehanna keeps your charity dollars local.  Local giving is a win win for us all, improving our neighborhoods and home values through home ownership.

Eligibility Criteria for the Homeownership Program


Qualified applicants that demonstrate the greatest need for a Habitat house will be selected.  Need is determined by home visits.

(Examples of need include: structural problems, inadequate living space, safety, and stability.)



Current employment, bank accounts, credit reports and landlord references will be checked to verify the applicant(s) ability to pay the monthly mortgage payment.  Each mortgage payment is then used to build future Habitat for Humanity Susquehanna homes.

To qualify financially, the income of an applicant cannot be below $25,000 to afford a Habitat mortgage or exceed the highest income listed:

Effective 6/1/2021 1 Person Home 2 Person Home  3 Person Home  4 Person Home 5 Person Home 6 Person Home 7 Person Home   

8 Person Home


Cecil County                  

Highest Income

$52,950 $60,500 $68,050 $75,600 $81,650 $87,700 $93,750 $99,800
Harford County                  

Highest Income

$55,950 $63,950 $71,950 $79,900 $86,300 $92,700 $99,100 $105,500



Timeliness, understanding, and eagerness are necessary to partner with Habitat for Humanity Susquehanna.  Sweat Equity is the actual hands-on physical involvement of approved homebuyers.  These hours are not monetary contributions toward their home, but required volunteer hours.

Required Sweat Equity hours:

       –   Single-Applicant 250 total sweat equity hours required
       –   Two-Applicants 500 total sweat equity hours required

(Examples of Sweat Equity : Construction of Habitat homes, classes in homeowner education and budgeting, office assistance, preparing or serving food to volunteers, school grades of applicants’ children, self-development, community development, etc.)



Applicant(s) must live in Cecil or Harford County for at least one year prior to their application and be a permanent legal resident of the United States OR a United States citizen.


2022 Homeownership Orientation Meeting Schedule

Until further notice, all orientations will be held on the internet via Zoom.

Daytime Orientations: Wednesday 10am   

Evening Orientations: Wednesday 7pm 

Jan. 12th, Feb. 9th, March 9th, April 6th, May 11th, June 8th, July 13th, Aug. 10th, Sept. 14th, Oct. 12th, and Nov. 9th.  


To attend, please fill out the interest form below. 


How can I apply for the Habitat homeownership program?

To understand all the requirements, you need to fill out the program interest form below and attend an applicant orientation meeting. Please call the Director of Homeowner Services, Yvette Valentin, at 410-638-4434 ext. 1 or  yvalentin@habitatsusq.org for details and to reserve a spot at an upcoming meeting.


To attend, please fill out the interest form below and hit “Save” to submit.  You will receive a confirmation in a separate email with details about the upcoming Orientation.

Housing Interest Form

Your Information

We only service Harford and Cecil counties, MD

Household Information

Current Housing Situation


How did you hear about us?



Financial Literacy Classes

(Open to the public – all are welcome!)

APG Federal Credit Union in partnership with Habitat for Humanity Susquehanna is conducting FREE financial workshops at their Home Loan Center in Bel Air.   For more details click here.

Reservations are required. Please contact Dee Barretto at 410-612-2361 or at workshopRSVP@apgfcu.com



Home Maintenance Class

(Open to the public – all are welcome!)

Habitat for Humanity’s home maintenance class is an informative 1-hour session on how to properly upkeep your home. We focus on specific seasonal maintenance such as how to’s on heat and AC units, weatherization, creating a more energy efficient home and much more. A certificate of achievement will be given at the end of class.

Our next class will be TBA.  It will be held at our ReStore located at 1013 Beards Hill Road in Aberdeen. Call 443-567-7698 to reserve your spot.




Habitat for Humanity Susquehanna does not discriminate against any applicant because of age, race, color, religion, sex, sexual orientation, handicap, familial status, or national origin.

Habitat for Humanity Susquehanna is a mortgage lender NMLS #1439405 


Our Homeowner Stories

Tracey and Connie’s Story

We heard about Habitat through some church friends who knew we needed a home because of I have a lot of medical issues that my current residence cannot accommodate. My husband was in a bad accident in 2014, suffered a TBI and was soon put on disability. Our dream is to be a homeowner, but because of our income it is hard to find something affordable.
I suffered a traumatic brain injury in 2004 and basically had to learn to live life all over again. I was approved for disability and started striving to regain my life back. My husband and I have had some challenging time, but have strived to overcome them. In 2007, we found out I was pregnant – despite the fact that I was told I could not have any more children. This was scary because I was already 5 ½ months and on many medication and didn’t know if we would have a healthy baby, but in December 2007 we were blessed with a son! Although he has some learning disabilities, he is perfectly healthy.
We have big hearts and strive to help anybody we can. We are very active in church despite our disabilities. We pray we are accepted by Habitat so that our family could not only fulfill a dream, but have a home that is safe for all my disabilities where I do not have to worry about falling or can maybe be showered with a little help.
Thank you for taking time for us and we pray we get the chance to finally live in a “safe place” and my son can play outside without any worries.

Iesha’s Story


I want to raise my daughter in a home we can call our own

I want to create a stable and safe environment for her. 

I believe we will gain a new sense of accomplishment, pride and confidence with the help from Habitat for Humanity Susquehanna. 


Anthony’s Story

My name is Anthony.  I’m a single dad and have full custody of my son, Nathyn. 

I’m a carpenter and build stairs.  The company I work for is Saiennie Stair. We specialize in circular stairs.  I have been there since 2016 and love it!


My son tells me when he grows up he wants to be an inventor or a scientist.

We live with my parents.  It’s nice for Nathyn to be close to his grandparents, but I feel we need a place of our own. He’s getting to the age where he wants his own space, but it’s hard to give that to him when this isn’t mine to give.

My parents are planning on relocating to Florida in the next few years.  I choose Habitat for Humanity because I can get step-by-step help on getting my own place.  They can help me budget money and teach me what it takes to own my own home – for me being a woodworker, this is right up my alley. 

I hope this gives you a little insight on me and my family.  We would forever be grateful for this opportunity!

Nicole’s Story

Hello, my name is Nicole and here is a little bit about myself and my family.  I have 3-children 21, 15, and 13.  I was once married had a home, car and all.  In the blink of an eye I lost everything. 

I divorced my husband, then entered into a really bad relationship which set me back further than I could ever have imagined.

I ended up in tremendous debt and am getting back on track to provide a stable home for my family. I have strived hard to rebuild my life and my credit. I was able to move out of my mother’s home and establish a roof for myself and my children.

Now the place we reside isn’t in the best neighborhoods – violence and trash. In January 2020, my rental unit has a sewage leak in the basement and I lost everything once again.  My landlord has yet to complete the rebuilding of the basement.  There are open walls and dry rotted foundation. 

I just want better for my children and myself.

Juél’s Story

I am a first-time homebuyer and wanted to find a home that was affordable for low income families.

Due to the price of the homes in the areas I was interested in, I was unable to qualify for a home in a safe neighborhood.  I was tired of drowning in rent payments of $1200 plus for a home that had peeling paint, mold and other structural defects. 

This became especially concerning as my 12-year-old son (then 9-11) had pulmonary issues with chronic pneumonia, and allergy induced asthma, amongst other health issues.  I began researching first time homebuyer programs that helped families achieve the dream to become homeowners.  That is when I found Habitat both through a general search and word of mouth from a family member.  I immediately began to gather all required documentation and attend seminars to gather more information and learn more about the services they offered.  I was elated when I was finally selected to move forward in the home buying process.  It was a dream come true and I was determined to accomplish this goal.  Although, I am still in the process, I plan to work hard towards my goal and attend the training programs and informational seminars offered to become a successful homeowner and to be able to take pride in my new home. 

I am so thankful that Habitat has selected me to move forward as it would have been very difficult to make this dream into a reality, otherwise.

I come from an ordinary family of blue collar workers. Neither of my parents graduated from college nor did the majority of their siblings. Needless to say, my circle hasn’t been very interested in thinking BIG.

I am driven to be different. My past reflects a monumental ability to endure through difficult circumstances. I am 28 years old and the single mother of Izaac, my beautiful 4 year old son.

 During my pregnancy I lived at home with my family, hoping to have their support when the baby came. For the first 4 months I did! It was wonderful! Soon after, however, my grandparents needed a 24 hour caretaker. I did not have an “employer based” job, so off I went to care for them.

These were some of my most trying times. My grandmother suffered with Alzheimer’s and my grandfather could hardly walk. I had to be up in the morning to make breakfast for everyone, safeguard my grandparents as they toddled uneasily throughout the day, care for my still new infant and somehow hold a nightly vigil so my grandmother wouldn’t stroll the neighborhood at midnight.

Sadly, their health declined rapidly. My grandfather was in and out of rehab to regain strength in his legs, meanwhile my grandmother struggled to remember the last 15 years of her life. She had no clue that I was her precious granddaughter whom she frequently told me stories about.

My grandmother left us first, and in her passing my grandfather seemed to give up hope. He began to have hallucinations from his wartime past. In the end, he had no desire to leave the bed which landed him in a wheelchair for his last few months of life.  Once they were both with the Lord I needed to look for a new home. I couldn’t go back to live with my family because while I was gone, they planned to move to Georgia.

Right around Christmas I received a call from Perrywood Gardens that they had an apartment ready for us. YAY! We moved in shortly thereafter and I was able to have my son’s first birthday in our own home. We lived there for two years, happy to have a place to call home. My son began to have severe breathing problems from the smoke that would leak into my apartment continually day and night. We lived on the third floor, so we also had to walk through a haze of toxic air every time we went in or out of the building. It became a nightmare.

Thankfully, a woman that I knew put one of her rooms up for rent in her home. The price was right and the area was smoke free so I did what any loving mother would do, I took the room.

Now my son and I live with my good friend and landlord. We share a room upstairs, in her attic bedroom. His lungs are healing and we haven’t had any emergency trips to the doctor since the move. However we do need our own home so my son and I don’t have to share a room and we can have a space to call ours again. I pray the Lord allows Habitat for Humanity to be the blessing I am believing for. 

I’m a single mom of four wonderful children!  Their ages are 16, 14, 10 and 9.  Although I’ve worked hard to make ends meet for my children, it hasn’t been enough to afford a place of our own. 

My children and I lived in public housing in Baltimore City for a few years.  I was terrified to allow my then, two children to play outside because of all the violence.  After being accepted in a Section 8 program (MBQ), we moved to Baltimore County and then Harford County, where we currently live. While living in Baltimore County, I worked hard to complete the External Diploma Program and received my High School Diploma.  I then enrolled in

 Community College to receive my AA degree in Human Services, however I became ill and had to have a few surgeries.  Complications during my last surgery left me with no feeling in my right lower body.  When leaving the hospital, I was unsure if I would regain feeling and walk again.  This caused me to put my college education on hold.  By the grace of God, I regained feeling and was able to take care of my children without the assistance of friends and family.

Although we enjoy the area we live in now and the program, the house doesn’t belong to us and Section 8, for me, is just a stepping stone.  Also, as my children continue to grow, we are limited to space which is why I sleep in the basement. 

Since moving to Harford County, I’ve worked two jobs at a time until I could no longer keep it up because my youngest son had become sickly with asthma, eczema and severe allergies.  I would like to own a house for my children and myself, however it seems impossible without the help of Habitat for Humanity.

I chose Habitat for Humanity because I want my children and I to have a safe and welcoming home of our own that we can afford.  With all the struggles that we’ve endured, I do believe that all things have worked together for our good.  I truly thank God for the blessings and support from my family as well as my church family.  I’m also grateful that Habitat for Humanity has considered my family.

I had to leave my marriage due to multiple abuse. From the time I left my ex-husband, I had to stay at SARC, a domestic violence shelter for about 3 months. The SARC helped me get into a transitional housing program, Harford Family house. I stayed with Harford Family House for about 2-years. I heard about Habitat for Humanity while I was there. I tried to apply for a Habitat house at that time, but I didn’t qualify due to credit issues. Then, a friend turned her basement into a 2-bedroom apartment for me and my children. She offered this to me temporarily in order for me to get back on my feet and hopefully own my own place one day. Since then, I have worked hard at repairing my credit and have even gone back to school to get my master’s degree in order to improve my life and my children’s lives as well. Once I graduate, I believe I will have better pay and better job opportunities. Having a Habitat house would help my children have more room to live and play and would really give them the stability that we all need. We will be able to actually have an affordable place to at we can call home for the first time in our lives.



This Could be Your Story

Fill out the homeownership interest form. 

This Could be Your Story

Fill out the homeownership interest form.


Click here for 2020 Homeowner Stories

Click here for 2019 Homeowner Stories.

Click here for 2018 Homeowner Stories.

Click here for 2017 Homeowner Stories.

Click here for 2016 Homeowner Stories.

Click here for 2015 Homeowner Stories.

Click here for 2014 Homeowner Stories.

  • Major Sponsors


    Note: Carousel will only load on frontend.