1.  Need for Housing (One of the conditions must be present with your current housing)

• Inadequate conditions – unsafe, unhealthy, inadaptable for disabled persons, etc.
• Overcrowded – more than two people or two opposite sex children in one bedroom
• Unstable or transitional situation – shelter, staying with family/friends, etc.
• Cost-burdened by expenses
• Unable to qualify for bank or government loan

 2.  Willingness to Partner with Habitat (All requirements must be met)

• Complete application package and participate in application process
• Attend all required meetings, workshops, and classes
• Perform required “Sweat Equity” volunteer hours (300 – 500)
• Accept available properties and home design plans
• Prepare for responsibilities of homeownership

 3.  Ability to Pay for a Home (All requirements must be met)

• Household income must be between 30 – 50% of area median income (income guidelines below)
• Show proof of at least 12 months of steady, stable income (all lawful sources of income counted)
• Demonstrate reliability in paying rent, utilities, and other bills
• Possess solid credit history with satisfactory payment of debts
• Have ability to save and pay a down payment of $1,000 (one time expense

 1.  Need for Housing (One of the conditions must be present with your current housing)

• Inadequate conditions – unsafe, unhealthy, inadaptable for disabled persons, etc.
• Overcrowded – more than two people or two opposite sex children in one bedroom
• Unstable or transitional situation – shelter, staying with family/friends, etc.
• Cost-burdened by expenses
• Unable to qualify for bank or government loan

 2.  Willingness to Partner with Habitat (All requirements must be met)

• Complete application package and participate in application process
• Attend all required meetings, workshops, and classes
• Perform required “Sweat Equity” volunteer hours (300 – 500)
• Accept available properties and home design plans
• Prepare for responsibilities of homeownership

 3.  Ability to Pay for a Home (All requirements must be met)

• Household income must be between 30 – 50% of area median income (income guidelines below)
• Show proof of at least 12 months of steady, stable income (all lawful sources of income counted)
• Demonstrate reliability in paying rent, utilities, and other bills
• Possess solid credit history with satisfactory payment of debts
• Have ability to save and pay a down payment of $1,000 (one time expense