Own a Home: The Process

NOTICE: We are not currently distributing or accepting new applications for the Homeownership Program.

To be added to a waiting list please contact Amanda Adams at amanda@sehabitat.org or at (541)741-1707.


At Habitat for Humanity of Central Lane, we believe everyone deserves a decent, affordable place to live – including you! We do not give away houses; rather we build homes in partnership with hardworking individuals and families (and many community volunteers), and then sell the homes at no profit, with very low-interest mortgages. We also provide education to help homebuyers become successful homeowners.

Step 1.

Do you qualify for the program? Habitat partners with applicants who demonstrate a need for adequate housing, willingness to partner, and the ability to pay a mortgage. Click here for more detailed information.

Step 2.
The process of applying for to the Homeownership Program begins by contacting us.  Please call (541-741-1707), visit our offices (1210 Oak Patch Road in Eugene), or email the Program Manager. You will be given more information about the program, offered the application materials, and invited to attend an optional Orientation Session.  The Orientation Session is optional, but highly recommended.  At the Orientation Session, you will learn more about our program and the application process.  Whether or not you attend an Orientation Session, you can always visit or call our offices with questions during the application process.

Step 3.
Submit an application, during an open application window, with all required documentation – mail, fax, or deliver the application to the Habitat office. The information will be reviewed by the Family Selection Committee to determine if you are eligible to continue the process toward becoming a Habitat homeowner.

Step 4.
If you meet our initial eligibility requirements, then a home visit will be scheduled to evaluate your household’s preparedness for homeownership.

Step 5.
If you are approved by Habitat for Humanity of Central Lane’s Board of Directors, then you will be notified and can get started on the Homeownership Program requirements!

Step 6.
Our Homeowner Support Committee will guide you through the process of becoming a homeowner through Habitat. This includes taking homebuyer education classes and completing a minimum of 300-500 “sweat equity” volunteer hours. Sweat equity is an exciting learning experience in which you work with family, neighbors, and friends to build other homes as well as your own. Hours can be earned on the construction sites, at special events, in our ReStore, or in the office.

Step 7.
With a Groundbreaking Ceremony your home construction begins! You will continue your sweat equity hours throughout the construction process.

Step 8.
Habitat staff, volunteers, and sponsors who have been with you every step of the way gather with your family and friends to dedicate your new home!

Step 9.
Lifetime Partnership: After we close on the house, you move in! Habitat homeowners are expected to remain engaged with Habitat’s mission by staying in good communication with Habitat, making timely mortgage payments, and assuming an active role in their neighborhoods and as mentors to new families entering the process.

The application process takes roughly 2 – 4 months. It generally takes about 1.5 – 2 years to complete the entire process, from the time of selection to the house closing.  The process can be challenging, but also very rewarding and worth the effort in the long run!

 

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