• Have you lived in Lake County for the last 24 months?
• Is your current housing situation inadequate or unsafe?
• Are you a legal U.S. resident?
• Do you meet the annual income guidelines (depending on family size) as set forth in the attached sheet?
• Would accept Habitat House in Waukegan, Zion or North Chicago?
• Are you willing to complete 500 hours of Sweat Equity (building, classes, ReStore)?

• Does your family's income fall in the range based on HUD guidelines? See attached a recent 2019 Spring Applicant Meeting sheet
• Do you make a sufficient amount of income to meet covers your household expenses?
• Is your current debt situation manageable?
• If you have ever declared bankruptcy, has your bankruptcy been discharged at least two years ago?

• Are you willing to complete application process?
• Are you willng to work a minimum of 500 hours of "sweat equity" on yours or others' houses, at Habitat ReStore, at the HFH office?
• Will you attend all required partner family educational meetings?
• Are you willing to participate in budget counseling by a professional budget counselor?
• Are you willing to build community with Habitat and other Habitat Partner Families?

• Completed and signed application
• Credit Report Authorization
• Current pay stubs
• Proof of any other household income
• Last two years W-2 forms

• Social agencies, churches and individuals are encouraged to inquire for a potential applicant. Habitat will gladly answer questions, but a name is placed on the mailing list only when a potential applicant takes the initiative to call.
• Agencies should encourage families to attend meetings, even if they have not called first.
• Habitat welcomes and appreciates all efforts in "spreading the word" and helping in the search for new homeowners.

We are pledged to the letter and spirit of U.S. Policy for the achievement of equal housing opportunity throughout the Nation. We encourage and support an affirmative advertising and marketing program in which there are no barriers to obtaining housing because of race, color, religion, sex, handicap, familial status or national origin.

• Debt Ratio
• Income Matching
• Credit Report Analysis
• Need Assessment
• Income Source
• Employment History
• Legal Lake County Residency

• Proof of Identification
• Proof of all Household Income
• Proof of all household bills and expenses
• Other Legal documents
• Rent and Employment Verification
• Sex Offender and eviction Checks