Qualifications

Homeownership

Habitat is not accepting applications at this time.
Keep checking our website for the application cycle. Our next home will be a three bedroom house in Cape Porpoise.
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Build Brighter Futures

Thank you for your interest in becoming a Habitat homeowner. We believe that everyone should have a safe, affordable place to call home.

To carry out our vision, we partner with individuals and families from application through construction to when the keys are handed over. By working with Habitat from beginning to end, we can help prospective individuals prepare for the various responsibilities of homeownership, including learning about personal finances, mortgages, maintenance and upkeep of homes, and much more.

Habitat’s path to homeownership is an important and in-depth process, requiring hard work, time and dedication. But this helps to ensure the long-term success of Habitat homeowners.

Income Requirements

All Habitat for Humanity homeowners pay an affordable mortgage, which is recycled to support the creation of future Habitat homes.

Household Size

Minimum Household Income

Maximum Household Income

1

2

3

4

5

6

$30,000

$30,000

$30,000

$30,200

$32,650

$35,050

$42,300

$48,360

$54,420

$60,420

$65,280

$70,140

Need for Safe, Decent Housing

 

Applicants must have a demonstrated need for safe, decent and affordable housing. Some examples of need include, but are not limited to:

living in overcrowded housing, living in unsafe housing: structural problems, badly in need of repair, inadequate electrical or plumbing, paying more than 30% of gross income on rent, unable to qualify for conventional mortgages on a market rate house.

Willingness to Partner

 

Every Habitat homeowner is a partner in Habitat's mission. Homebuyers agree to the following partnership commitments:

Household willing to perform minimum of 400 Sweat Equity hours for two applicants, 200 hours for single applicant.  

Completion of required homebuyer education course

Provide all application information in a timely manner

Pay monthly mortgage on time without default

Be respectful neighbors and community members

Maintain the home and property in good order and appearance

Participate in Habitat events and media requests

If your household qualifies for a Habitat home Habitat will ask for a minimal fee to run a credit report for the head(s) of household. $35 for two heads of houesehold, $20 for one head of households.

Credit

Application Process

Please bring copies of all of the required items to the informational meeting

1.

Informational Meeting

All eligible candidates are encouraged to attend an Applicant Information meeting to learn how Habitat homeownership program works, including qualifications and partnership agreements, and complete a mortgage application.

2.

Submit an Application

Complete mortgage application with a family services committee member's assistance. Submit all required documentation at the informational meeting.

3.

Application Review

The Family Selection Committee reviews all required documentation.

Applicants who meet the income guidelines and all criteria, will receive a letter moving them to Step 4.

4.

Home Visit

A home visit is schedule to determine the need for housing and willingness to partner with Habitat.

5.

Final Committee Review

The committee will review all qualified applications. Using a comparative points system a partner family will be selected. Pending board approval.

6.

Board Review

The selected applicant's information will be presented to the Board of Directors for final review and approval. If approved the applicant becomes a Partner Family.

Applicants not initially selected may reapply at other application meetings assuming conditions have improved. All information is considered confidential, and is to be used only for the purpose of selecting qualified families for homeownership.

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If you have any questions please email program@habitatyorkcounty.org or call us at 985-4850