Qualifying for a Home
Anyone who wishes to apply for a Habitat Home must attend a Habitat for Humanity Town Hall meeting. These meetings are usually once or twice a year and are announced through print, radio and television announcements. Those interested in attending a meeting can also call our local offices to be put on a list of those wanting to be contacted with meeting information. No one is placed on a waiting list.
We will only accept the number of families that we have property available to build homes.

• You must live in sub-standard or crowded conditions.
• You will need to meet certain income requirements.
• You must be willing to partner with Habitat in building your home, which involves sweat equity hours.
• You must be able to pay back the mortgage.

• Learn about the program.
• Receive an application.

• Return the application by assigned date.
• Plan on a 30-90 day waiting period for applications to be reviewed by Selection Committee.
• If you are selected, your home could take 6 - 8 months to complete.

To inquire about the next Town Hall Meeting, call 989-895-0980 Monday - Friday, 9:00 a.m. - 4:00 p.m.

In order to qualify, potential families are considered based on the following three points.

• Overcrowded housing i.e. more than two children per room, adults sharing room with children, children of opposite sex sharing a room.
• Substandard housing: Problems with maintenance and repairs.
• Resident of public housing.
• Unable to secure adequate housing through the private market.
• Desire for homeownership.

• Income Level: must be stable, and supplementary income must be stable and likely to continue.
• Savings: Family demonstrating the ability to save and budget money.
• Rental Expense: Family paying market rent or willing to demonstrate the ability to pay market rent.
• Delinquent debt: Must meet Habitat guidelines for debt in bad standing: past due, charged off, collections, judgments, and repossessions. All delinquent debt must be paid before lot selection.
• Medical debt: You may have up to $10,000 in medical debt at the time you apply and and later close on your house.
• Outstanding debt: Must meet Habitat guidelines.
• Bankruptcy: May apply for a Habitat House two (2) years after bankruptcy has been discharged and good credit has been re-established.
• Auto debt payments & other outstanding debt payments, along with other expenses, must be manageable within budget.

WILLINGNESS TO PARTNER:

• History of timely payments, stable work history (1 full year at 1 place sometime in past
• 3 years and be on current job for 6 months).
• Maintains own household (live on own for 1 full year within the past 3 years).
• No criminal record that poses likely future risk.
• Sweat Equity: Understands and is willing to perform sweat-equity.
• Commitment to the community.

If you would like to learn more about homeownership, call us (989) 895-0980 or complete the online interest form and we will contact you before we have our next meeting.