Tel: 507-388-2081
Email: hfhscmn@hickorytech.net

Homeownership

Qualifications

1. Degree of Need for Adequate Housing

  • Safety
  • Overcrowding
  • Affordability (more than 30% of income going to housing)
  • Inability to obtain conventional home ownership – (Income Maximums)

2. Ability to Pay

  • Cost of housing should be a blessing, not a burden

3. Willingness to Partner with Habitat

  • Provide 200-400 sweat equity hours, depending upon the size of the family
  • Work with a Family Partner
  • Attend classes and Habitat meetings

Habitat for Humanity is a Christian housing ministry financed through grants, private donations, Habitat Minnesota, businesses, and volunteer labor. The purpose is to build homes with families and sell the houses at no profit to families who could not otherwise afford a home. Please read the following items to see if you have an interest in our ministry and to see if you meet out general guidelines:

  • Additionally, the following situations are taken into consideration:
    • Low income or medium income
    • Currently residing in substandard housing
    • Inability to obtain a conventional home loan
    • Rent payment equals more than 30% of your income
    • Inadequate indoor plumbing/electricity
    • Poor heating
    • Leaky roof
    • Overcrowding (three to a bedroom)
    • Unsafe or unsanitary conditions
  • With your permission HFHSCMN will verify employment, other income, public assistance and rental history. HFHSCMN will also perform a credit check and sex-offender database check.
  • In order to evaluate your application we must receive the following documents:
    • Income tax returns for the past two years and W-2s
    • Privacy Notice Habitat for Humanity Homebuyers signed
    • Applicant and Co-applicant Employment Verification Form – completed by employer
    • Public Assistance Verification Form Completed by Social Service Agency – if applicable
    • Habitat for Humanity Application for Housing completed
    • Copy of your lease, plus a copy of a money order receipt or canceled rent check
    • Attach copies of utility bills for month prior to the submission of the application (See item #7 on application)
    • If you are approved for a Habitat home, HFHSCMN will ask that you join programs to learn and practice budgeting, home repair, and maintenance. Monthly meetings are scheduled for families to meet this requirement.
  • FAIM – Family Assets for Independence in Minnesota – applications must meet income guidelines to qualify for this program
  • HomeStretch – open to anyone thinking of buying a home
  • Each head of household must complete 200 sweat equity hours. These hours are required and will be performed on your home, other Habitat homes, in the ReStore, or other possible options approved by the Executive Director.
  • Once you meet the sweat equity and Family Support requirements, we will sell you a home for what it cost Habitat to build. Habitat house payments include taxes and insurance and will cost approximately $500 – $550 per month. Your house payments will then be used by Habitat to build more homes.

Families are selected from those applicants who meet the qualifications stated above. Because we are a volunteer organization, we cannot guarantee all qualified applicants who apply will receive a house. However, we will strive to meet the needs of as many qualified applicants as our resources permit.

In addition, if you are not initially accepted, you may reapply.

 

If you are interested in Habitat and if you believe you may qualify for a house according to the above guidelines, we encourage you to fill out and return an application. The application process takes between two and three months.
Please click the link below for the application page.

Application

The Family Selection Committee reviews all completed applications with supporting documents.

If you need help filling out the application form, or if you have any questions about Habitat for Humanity, please feel free to call Carol at the Habitat for Humanity of South Central Minnesota office at 507-388-2081

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