How to Qualify
The Habitat Homeownership Program looks for 3 things when determining if an applicant is eligible to participate: need, affordablity and willingness to partner. We belive these are the key ingredients to creating a successful homeowner. Learn more about program qualifications by attending a Homeowner Information Session.
Do you have NEED?
Need can come in a variety of forms. If you are first time homebuyer or have been renting for 3+ years and face a variety of issues, you would be considered to have need of a new home. Such issues can include cost burden hardship, overcrowding, unsanitary conditions (mold, pests, leaky roof, etc.), poor structure (plumbing, electrical, inoperable kitchen or bathroom, etc), or other.
Do you show AFFORDABILITY?
Since the Habitat homes do come with a mortgage, it is required that any applicant would be able to make that payment without being cost burdened. Therefore, we require stable income (payment from work, food stamps, SSI, disability, retirement, etc). The gross annual combined income must meet the guidelines in the chart below. Along with income, an applicant should have decent credit, i.e. no judgements or liens, consistent and on-time payment history, and bankruptcies discharged for at least two years.
|Number of People in Home||Minimum Monthly Income||Maximum Monthly Income|
Are you WILLING TO PARTNER?
Once accepted, Partner Families are required to make a commitment to the Habitat program. 450 sweat equity hours are required to complete the program and receive a house. Those hours are made up of community service, financial education, homeownership education classes, and hours spent building your own house.