Phase 1: Income Assessment
Habitat home applicants are required to present the following documentation for each individual over the age of 18:
- Complete tax returns for the previous two years
- W-2 forms from all jobs for all applicants for the previous two years
- Proof of additional income or public assistance (current benefits letter), including SSA, SSI, food stamps, workers compensation, pension, etc.
- Verification of Child Support, including court letter, child support agreement, proof of receipt of funds actually being received, etc.
If an applicant meets the income qualifications, an appointment will be made for a later date to continue on to the next phase.
Phase 2: Financial Analysis and Application Process
Phase 2 is conducted by appointment only. A Habitat for Humanity representative will meet with you to conduct a financial analysis of your debt-to-income ratio and determine your ability to repay the required monthly mortgage.
If you meet the financial criteria, you will then be given a formal application for homeownership. You MUST attend your second appointment in order to receive the application, as this is the only time homeownership applications are distributed.
Each application will be thoroughly evaluated, and all data submitted will be reviewed and verified, including your family, employment, and housing information. If your completed application meets all of the criteria and guidelines, a Habitat representative will contact you in order to schedule an appointment for the final phase.
Due to the rigorous nature of our evaluation process, it may be several weeks before applicants receive notice on the status of their home ownership application. During this time, please do not call the Administrative office to check on the status of your application. The process is managed by an independent Family Selection Committee, and the office staff will not have access to any information.
Phase 3: Home Visit
During Phase 3, Habitat for Humanity representatives meet with the selected applicant(s) in their current homes in order to assess the housing need of the family, which is the number one criteria for our program.
Final acceptance into the program will be determined once all home visits are complete. The Family Selection Committee will notify each applicant of the outcome of this process.
For additional information, please read our Future Homeowner FAQ.
Habitat for Humanity is an equal opportunity program. 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. Individuals from all races, sexes, and creeds are encouraged to apply.