REDWOOD CITY 612 Jefferson Avenue

Applications for 612 Jefferson Avenue are being processed currently. The Homeowner Development Department will be contacting applicants with updates in due course. Please note: all communication from Habitat Greater San Francisco will be done via email. Please be sure to check your email inbox daily!

About 612 Jefferson Avenue

Requirements to apply

Applicants must meet our income and credit guidelines, in addition to other requirements, such as being willing and able to perform up to 500 hours of sweat equity (volunteer hours) on the construction site, attending workshops, and volunteering in other Habitat programs.

Our selection process includes a review of your finances and credit, employment history, residency, and other qualifications.

If you have applied in the past, you will need to submit a new application for Jefferson Avenue. All applications that are received on time and filled out completely will be entered into a lottery. The lottery ONLY determines the order in which your application will be reviewed. It does not guarantee you a home.

  • Applicants must have minimum credit score of 650
  • Applicants must be willing to complete 500 hours of sweat equity
  • Applicants must have a history of reliable payments on credit report
  • Applicants must have a total debt-to-income ratio below 45%
  • Applicants cannot have owned a home in the past 3 years
  • Household has lived together consistently for the past 12 months
  • Applicants must be permanent residents or US citizens
  • Households with an annual gross income of up to 80% of the area median income (AMI) may qualify. AMI is calculated and updated each year by the Department of Housing and Urban Development. Please see the 2020 chart below for reference:
Please note: 60% AMI income limits will be rounded.

Applications for Jefferson Avenue are now closed. To learn more about the application process and requirements, please see the recordings and presentations from the information sessions below. They are available in English and Spanish.

View the Information Session video – English

Read the Information Session presentation – English

View the Information Session video – Spanish

Read the Information Session presentation – Spanish

If you have any questions, please contact the Homeowners Development Department at or 415-625-1041

Frequently Asked Questions

We encourage everyone to apply. Once you have applied, we will determine eligibility based on the random lottery number you are assigned.  

Habitat GSF homes are affordable to low income households in the tri-county area (San Francisco, San Mateo, and Marin counties).  

Buyers pay no more than 30% of their gross household income at time of purchase.  

Our current mortgage is at 0% interest and while this doesn’t change, your property taxes, homeowner’s insurance, and HOA dues will likely increase after the first year. This is all included in a monthly escrow payment.   

Habitat GSF requires all potential buyers to complete sweat equity (500 volunteer hours).You can get help with your sweat equity by having friends, family, etc. volunteer with you.  Sweat equity is not designed to be a barrier; we work with each family to ensure they finish their sweat equity in a safe and timely manner.

Maintaining and repairing common areas (homeowners are responsible for repairs in their units).

You are responsible for paying for your own utilities.

Yes, fees are subject to change annually.

Parking spot(s) are not guaranteed for all 20 units 

There will be 1 handicap space  

Parking spots will cost an additional fee per month 

Yes, 2 small pets per household.

Pre-applicants will be given a unique ID number via email 

On October 28th we will host a live, virtual lottery 

Pre-applicants IDs will be randomized and given a spot in the lottery starting with #1 

We will invite pre-applicants to complete the full application based on the lottery number (i.e the pre-applicant who got lottery #1 will be the first person invited to complete the application, we will go down our list until all 20 units are filled by a qualified buyer) 

Lottery results will be posted on our website and pre-applicants will be notified of their number by email  

Checking and savings accounts 

Retirement accounts/401(k)s  

Stocks and bonds 


No. Please keep in mind that applicants will become legal title holders and will be responsible for making all monthly payments on time.  

You can apply with anyone you’d like if you have lived with those individuals for the past 12 months and they are at least 18 years old.

No, Habitat GSF is the lender as this is not a rental unit.

Yes, however, since we have switched our application to be online, you will only be required to update the information you provided in your previous application. The online application portal will store your information safely and securely so that you don’t have to fill out a new application each time homes become available. Please note, Habitat GSF does a new, random lottery each time new homes become available.

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