Home Ownership requirements
do i qualify? You must have all of the following:
- Have a housing need such as: poor heating, leaking roof, rotting wood, high utility costs, overcrowding, unsafe/inadequate conditions OR a rent payment that is too high for your income. Simply wanting to buy a house is not a qualifying need.
- Have sufficient reliable and verifiable income to pay the mortgage payment and an acceptable credit history. Income limits vary by family size. For example: a family of four with an annual minimum income of $14,500, and maximum income of $29,050 meets the income guidelines.
- Be willing to become a Habitat Partner by agreeing to perform 350-500 hours of "sweat equity" by: Working on your house and other Habitat projects; Attending a Homebuyer Education Workshop and Home ownership and Financial Skills Classes; Committing to maintain your new home and neighborhood.
Prospective applicants should first attend an orientation workshop in order to receive an application to apply for a "Habitat Home". If you need help filling out the application, simply call our office at 229.245.1330/ext 22 or 30 and we will be happy to help you out.