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Home Ownership Information

We’re glad you’re thinking about applying for a Habitat house. One wonderful aspect of Habitat for Humanity is that it builds more than houses. It builds homes, lives and communities!

How The Process Works

After a family submits an application, the Family Selection Committee reviews it, does a credit check and makes a home visit. If the family application is approved by the Family Selection Committee, it is presented to the Board of Directors for their review and approval. When the family is chosen as a Partner Family their name goes on a waiting list and they begin working on their “sweat equity” hours. After 200 hours have been reached the Board assigns a site and the process of building the home begins. The process of becoming a Habitat homeowner can take as long as 1-2 years.

No Favortism

The family selection process is impartial. Neither age, sex, race, marital status or religion play a part in the choice. We are looking for people with inadequate housing, who are unable to buy a home of their own. We want people who will help spread the good news of Habitat to the rest of the community.

How Families Are Selected

Need:

A. You must have lived and/or worked in the Eugene/Springfield service area for at least a year.

B. You will be considered for a Habitat home if your present housing is inadequate, and if you are unable to obtain adequate housing through other conventional means. Lack of adequate housing may include inadequate size for the number of family members or an unsafe structure.

C. You and your family will be considered if your total income is between 30 and 60 percent of the median family income as established by HUD. The 2009 guidelines are listed below.

Household Size 1 Minimun Income $12,000 Maximum Income $24,000
Household Size 2 Minimun Income $13,700 Maximum Income $27,480
Household Size 3 Minimun Income $15,450 Maximum Income $30,900
Household Size 4 Minimun Income $17,150 Maximum Income $34,320
Household Size 5 Minimun Income $18,500 Maximum Income $37,080
Household Size 6 Minimun Income $19,900 Maximum Income $39,840
Household Size 7 Minimun Income $21,250 Maximum Income $42,540
Household Size 8 Minimun Income $22,650 Maximum Income $45,300

Ability To Pay:

Since you will actually be buying your home from Habitat, you must demonstrate your ability to pay the monthly mortgage payment. This payment will include not only the mortgage payment but the payment of real estate taxes and insurance. This requires satisfactory credit, a good payment history on monthly debts and no bankruptcies in the past four years.

Application Process

Please contact us by phone or email for more information, to review the requirements and to register for the next application session. Special arrangements can be made if needed. Information on qualifying for our homeownership program is also available on our web site.

Willingness To Participate:

A. When selected, you become a “Partner Family” in the Habitat movement. Your assistance in constructing your home and the homes of others is called “sweat equity,” and may include clearing the lot, painting, helping with construction, providing food to volunteers, or working in the Habitat office. As a partner family, you must complete 500 hours of sweat equity prior to move in. Your family can receive credit for up to 250 hours by applying time put in on your behalf by friends, relatives, and other volunteers who join the work.

B. You will be expected to budget your money wisely since you will be responsible for monthly mortgage payments and the maintenance and repair of your new home.

C. After moving into your home, we will depend on you to lend your support to other new families. Those who have been through the process are the best helpers.

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.

 

 

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