Applying for a Home

Who Should Apply? 

Fox Valley Habitat for Humanity families work for local companies, live in substandard or overpriced rental units, and earn less than is required to qualify for quality affordable homes.

They are willing to devote a minimum of 350 hours of "sweat equity" helping others build habitat homes, attending Financial Literacy Training, and then building their own home. They simply desire the opportunity to build and buy their own FVHFH home.

FVHFH homes are not “given away,” nor are they “earned through sweat equity."

It can take anywhere from 1 to 2 years to move into a home after being selected.

Homes are built using donated funds and volunteers provided by sponsor organizations and sold to working families on the basis of:

  1. Need
  2. Ability to pay a 20-25 year mortgage with a below market interest 
  3. A willingness to partner with FVHFH and the community

— all without racial or religious discrimination

We take applicants that are from the Southern Fox Valley area**. You must be a resident of Kane County and have been living or working in the Southern Fox Valley area** for at least one year prior to submitting your application with us. 

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**Our territory for applicants is from Rt 64 - South to Rt 71 & Rt 59 - West to Somonauk Rd

 

How to Qualify

Fox Valley Habitat for Humanity uses three criteria when choosing families:

1. NEED

  • Present housing is not adequate
    • Failure to meet city property maintenance standards
    • Inadequate heating system
    • Weatherization issues
    • Structural
    • Mold
    • Safety concerns
  • Unable to obtain adequate housing through conventional means
  • Number, ages and gender of children and family members who will be living in the home                                                                                                                               

2. ABILITY TO PAY

  • Zero percent interest mortgage
  • Total price based on our cost to build the home, income and ability to pay
  • You must demonstrate that you have shown some financial stability in the past and that you understand the importance of making your mortgage payments on time
  • Percentage of monthly income going towards housing
    • Your total income should fall within these guidelines of 30% to 60% of AMI (Area Median Income) in order to be considered to be a partnering family 
    • Income Guidelines for obtaining a FVHFH home: $22,000 - $45,000 yearly

3. WILLINGNESS TO PARTNER

  • The relationship FVHFH has with the families in considered a partnership meaning we work together to provide for each other’s needs
  • We need to raise money and awareness for FVHH and as a selected family you will be asked to share your story, speak with the media and churches and help at fundraising events
  • You must demonstrate a willingness to put in up to 500 “Sweat Equity” hours working on FVHFH projects

Get More Information

To receive a Home Interest Packet with all of the information you need to become a partnering family, fill out the Home Interest form below.

(Home Interest Packets are not applications. They are for information only.)

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