Habitat for Humanity of Central Lane is not currently accepting applications for our homeownership program. If you are interested in our homeownership program, please check back to this site often, as we will be opening applications again soon for two-story homes in Springfield. Please call 541-741-1707 with any questions.
Habitat for Humanity of Central Lane uses three criteria in selecting individuals and families for the Homeownership Program: Need, Willingness to Partner, and Ability to Pay.
To qualify, a household’s gross income (before taxes) must be not more than 60% of the Area Median Income (AMI) for our geographical area which is based on HUD guidelines, adjusted annually.
Their current housing must be insufficient due to overcrowding, temporariness, defective and unsafe conditions, or other reasons.
Applicants may be paying significantly more than 30% of their gross income for rent.
WILLINGNESS TO PARTNER
Program Participants must invest volunteer hours, or “sweat equity” with Habitat. Sweat equity can be earned through construction of your home and homes of others, working in the Habitat office and/or helping with special events. Each household must complete a minimum of 300-500 hours (depending on household size) prior to moving in.
Program Participants must be willing to participate in a variety of Homeownership Education Classes. These sessions include home maintenance, budgeting, repairs and other topics. Applicants must also participate in a quarterly review of their financial documents.
Future Homeowners must be willing to participate in raising awareness about Habitat through participating in events and telling their story.
ABILITY TO PAY
The income stability of applicants will be examined, including credit history and debts. Successful applicants may not have any bankruptcies or foreclosures within the previous 24 months.
Other factors affecting an applicant’s ability to pay the low-interest mortgage will also be considered.