Process to Apply for a Habitat Home
Are you interested in a Habitat home?
Habitat Program Application/Assessment available online
-------------------------------------
To learn more, see the flyer below used in a Homebuyer Information Meeting.
Family Services income chart June 2021
Home Visit & Interview
- Verify need for housing
- Willingness to partner with Habitat
- Verify ability to pay a mortgage
- Confirm legal status
- Share habitat for Humanity expectations as a Partner Family
- Board Approval
Application Process Checklist
- Signed and completed Application; delivered at Home Buyer Informational meetings
- Credit Report authorization completed
- Current pay stubs received
- Proof of other income, if any, provided
- W-2 forms for at last two years provided
- All required documents submitted by due date
- Copy of Application Process Checklist
Application Review Checklist
- Debt Ratio reviewed
- Income Matching completed
- Credit Report Analysis received and reviewed
- Need for housing verified
- Income Sources verified
- Employment History documented and verified
- Legal Lake County residency verified
Qualifications to be a Habitat for Humanity Homeowner
- Residency: Lake County Resident for past 24 months and Legal U.S. Resident
- Need for Improved Housing: Current housing is inadequate or unsafe
- Ability to Pay: Sufficient income for family size to meet HUD guidelines as shown above. Bankruptcy discharged at least 2 years ago
- Willing to Partner: Complete 500 hours of sweat equity in weekly Habitat financial literacy classes, monthly budgeting sessions, volunteering at our ReStore and building or rehabbing homes