Eligibility to Habitat’s homeownership program is based on 3 requirements, including need, willingness to partner, and ability to pay an affordable mortgage.
“Need for housing” can mean a few different things. If the Selection Committee determines any of these apply, you meet this requirement.
Substandard Housing - Has issues that create health and/or safety problems (mold, unsafe neighborhood, poor heating/plumbing, etc…)
Temporary Housing - Temporary living arrangements or transitional/subsidized housing
Housing that is too expensive - >50% income is being spent for total housing costs (rent and utilities, which may include water, sewer, trash removal, gas and/or electricity)
Willingness to partner includes completing “sweat-equity”. This is the time and effort you contribute toward the building of your home. We offer a hand up, never a hand out. Through shelter, we empower!
A two-adult household is required to perform a minimum of 300 hours of sweat equity
A single-adult family is required to complete 200 hours
A portion of the sweat equity hours can be completed by family and friends
All Habitat homeowners must have the ability to pay an affordable mortgage. Applicants must demonstrate that they have:
A steady, reliable source of income and demonstration of financial responsibility
NOT filed for bankruptcy within the past 2 years
Must have clean credit for >6 months before applying for a USDA mortgage