Habitat Omaha Affordable Mortgage
About Habitat Omaha Affordable Mortgage
In Omaha, homeownership can start with a mortgage, but it often needs a little more support to stay steady. Habitat Omaha Affordable Mortgage helps low-income families get there with affordable financing, homeownership counseling, and repair help that keeps houses in livable shape. For donors, the appeal is simple: this is practical housing work that helps families buy, fix, and keep their homes.
What sets Habitat Omaha Affordable Mortgage apart is how closely it stays with a household after the mortgage conversation starts. It offers affordable mortgage financing, free homeownership coaching, no-interest repair loans, and neighborhood revitalization across its five-county service area, with CDFI certification adding lending capacity to that housing work.
Programs
The concrete work this nonprofit runs. Each program may later become a fundable project.
Affordable mortgage financing
Underwrites, originates, and closes mortgages at an affordable interest rate for low-income families.
Home Journey Program
A free, personalized path to homeownership with financial education, housing coaching, and mortgage-readiness support.
Home Repair Program
Provides no-interest loans for qualified homeowners to complete essential repairs and energy-efficiency improvements.
Transfer of Deed Upon Death events
Events with Legal Aid of Nebraska that help homeowners prepare transfer-on-death deed documents.
Rock the Block
Neighborhood beautification and exterior repair events where volunteers and residents work together on a block.
Veterans Home Repair Program
Home repair help for veterans so they can stay in their homes safely, with dignity and independence.
About this work
In their own words — what they do, who it reaches, and what your dollars actually fund.
Mission
To support and promote home ownership by providing affordable mortgage financing to low-income families.
Who they serve
Low-income families seeking affordable mortgages, and qualified homeowners, including seniors and veterans, who need home repairs or homeownership counseling in the Omaha area.
Their impact
- 85 mortgages closed in 2024, totaling $17.4 million.
- Average area median income for those mortgagees was 64%.
- 223 home repairs completed.
- 467 families received Home Journey counseling plans.
- 110 families served through Rock the Block.
- 42,554 volunteer hours last year.
How your donation helps
- Affordable mortgage financing for families
- Home repairs and energy-efficiency upgrades
- Homeownership counseling and mortgage-readiness education
- Neighborhood revitalization and Rock the Block events
- Affordable housing advocacy
Our story
Habitat Omaha Affordable Mortgage Solutions, Inc. was founded to support and promote home ownership by providing affordable mortgage financing to low-income families. In 2023, it became certified as a community development financial institution, adding a lending-focused layer to its housing work.
Need help?
How someone in need can access Habitat Omaha Affordable Mortgage’s services.
Families begin with the Home Journey intake application for homeownership counseling and mortgage-readiness support. Home repair applicants can complete the online interest form, call 402-457-5657 option 3, or email homerepair@habitatomaha.org; Habitat then reviews eligibility and schedules a home visit.
Stories
The people behind the work.
In their words
Stability Begins with a Home
It was life-changing to know, as long as I kept working hard, I could have that stability with my kids.
I love working at Habitat for Humanity of Omaha because of our mission. When we find the correct group of people that believe in the same mission many things can be accomplished.
Events
Rock the Block
Several times a yearNeighborhood beautification events with exterior repairs, landscaping, and clean-up projects.
Neighborhood Clean-up Days
Throughout the yearCommunity clean-up events where residents can bring bulky items for disposal.
Women Build
Dates posted on the event calendarA volunteer build program that invites women to build and renovate homes in the community.
Transfer of Deed Upon Death events
As scheduledEvents with volunteer attorneys that help homeowners prepare transfer-on-death deed documents.
Ways to help
Concrete needs and volunteer roles Habitat Omaha Affordable Mortgage has shared.
Current needs
- Construction volunteers
- Office support volunteers
- Corporate team build partners
- Faith partners
- Donations of funds, land, or building materials
Volunteer opportunities
- Year-round construction site volunteering
- Office support for data entry, mailings, and filings
- Corporate team builds
- Women Build events
- Rock the Block neighborhood beautification events
- Pope Leo Village framing and siding build days
Recognition & press
Awards & recognition
- Certified as a Community Development Financial Institution (CDFI) in 2023
In the media
- WOWT, coverage of shrinking home inventory and the effect on Douglas County buyers.
- Yahoo News video, Habitat Omaha chosen for the national Pope Leo Village initiative.
- 3NewsNow, coverage of Habitat Omaha launching a new initiative amid rising housing costs and younger homebuyers.
Press & mentions
Partners & funders
Frequently asked questions
Common questions about this nonprofit and how its work happens.
How does someone start the Home Repair Program?
People can start by filling out the online interest form, calling 402-457-5657 option 3, or emailing homerepair@habitatomaha.org. Habitat then reviews eligibility and schedules a home visit.
What kinds of repairs can the Home Repair Program help with?
The program can help with furnace, air conditioning, water heater, roof repair, windows and doors, plumbing, electrical system upgrades, tree trimming and removal, exterior structures, accessibility updates, and energy-efficiency improvements.
Who qualifies for the Home Repair Program?
Qualified homeowners need to show they can repay the no-interest loan. They generally need household income at or below 80% of area median income, clear title, homeowners insurance upon completion, current property taxes, and an owner-occupied single-family detached home in the service area.
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