Homeownership Program

Habitat for Humanity of Guam is a Christian housing ministry financed through private donations, community support, and volunteer labor. Habitat’s mission is to build safe, decent, affordable homes in partnership with families in need who cannot otherwise afford conventional or government ­assisted financing of a home. Habitat for Humanity of Guam builds and sells houses at NO PROFIT and charges NO INTEREST to partner families.

If you live and work in Guam, you may qualify for our NO­ INTEREST MORTGAGE program.

Please take time review our basic qualifications to see if you meet our general partnership requirements.


  • Applicants must be able to demonstrate a history of financial responsibility —steady income, and the ability to make monthly payments for a period of time (15­ to 20 years).

  • Credit references are required and verified.

  • Applicant's and co­-applicant's monthly obligations, including the monthly payment for Habitat mortgage cannot exceed 41% of their gross income.

  • Habitat recipients are required to make a down payment of one percent of the purchase price before moving into the home.

  • Most importantly, it is the philosophy of HFHG to care for others, work for oneself, and for one’s neighbors. This care and responsibility must be demonstrated by the applicant’s willingness to complete 500 hours of “sweat equity” by building their own home, the homes of other Habitat partner families, or working on other Habitat projects. requirement.


 📝 Pre­-Application for Homeownership will help you determine if

the Habitat Program is right for you.