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.
The process of applying for to the Homeownership Program begins by contacting us, checking our website, social media feeds or signing up for our email newsletters to find out when applications are open. When the applications are open, 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.
We will post dates/deadlines on our website, in our eNewsletter via email, on social media, in the ReStore in the form of posters and handouts. The first phase is filling out a prequalification form, this will determine if your gross income falls within the Habitat Income Guidelines of 40%-80% AMI (Area Median Income). If you qualify you will move to the next phase, you will receive a letter from us with a list of all required documentation and the date it is due by. For security reasons, we do not accept email of applications, mail or delivery to the Habitat office is acceptable. The information will then be reviewed by the Family Selection Committee to determine if you are eligible to continue the process toward becoming a Habitat homeowner.
If you meet our initial eligibility requirements, such as not owning a home in the past three years and have lived or worked onsite in the affiliate service area for the previous 12 months then an informational interview will be scheduled to evaluate your household’s preparedness for homeownership.
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!
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 200-250 “participation hours” volunteer hours. Participation hours are 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.
With a Groundbreaking Ceremony your home construction begins! You will continue your partnership hours throughout the construction process.
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!
Habitat 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.