Homeowner FAQ

A Look Into A Habitat Home

What are the credit guidelines?
Even with bad credit, you can still apply and Habitat will tell you if the credit should be fixed before proceeding. Judgments and liens should be paid, and you will be asked about collections. We do not expect perfect credit. Learn more about our Habitat HOPE program which will help to address credit issues. 

Most of my credit problems are because of medical bills, what can I do?
First, we do not ignore the medical bills, a hospital or doctor can garnish your wages. However, Habitat HOPE will assist you in clearing these collections.

How does bankruptcy affect my application?
The bankruptcy must be discharged over 4 years ago and you may not have incurred any further collections or judgements on your credit report.

Are the homes given away?
No, the homes are sold to the family partners in the Habitat program, who then pay a monthly mortgage payment with taxes and insurance. The house payment will not equal more than 30% of gross monthly income.

How much is a monthly mortgage payment?
Habitat of Monroe County's mortgage payments are affordable, no more than 30% of your gross monthly income, and in most circumstances, are significantly less than 30% of monthly gross income.

How will I know if I am chosen or not? OR If I'm not chosen as a family partner will I know why?
All applicants will receive a letter stating why they were not chosen and what can be done to better your chances of being chosen later. We strongly encourage you to fix the problems listed and reapply.

Where do you build the homes?
Home builds are located throughout Monroe County. 

What if I get a better job after I am officially chosen?
Habitat wants you to do better in your life, you will not be de-selected.

What does it take to be de-selected as a family partner?
1. Lying or not being truthful in any way on any part of the application.
2. Showing an unwillingness to partner. (for instance by not completing the sweat equity or getting down payment ready).
3. Loss of income that would make it difficult or impossible to make a house payment.

Who chooses the family partners?

The director of homeownership reviews all the applications and determines if the applicant meets all the program requirements. The board of directors gives final approval based on the director’s recommendation.

Habitat for Humanity of Monroe County does not discriminate on the basis of race, sex, color, age, handicap, religion, marital status, or because all or part of the applicant's income is derived from public assistance.

All decisions are based on Equal Housing Laws, which Habitat adheres to strictly.

Do I have to be a resident of Monroe County to qualify?
No, you do not have to be a resident of Monroe County to qualify for a Habitat house in Monroe County.

Do you accept applications from: Families who do not have children? Unmarried couples? Large families? Potential co-owners that are relatives other than marriage (mother-grandmother/brother and sister, etc)
Yes

My children receive Social Security, how does this affect my income?
We count all income that will be in the family for three years or more. Write on a separate sheet and tell us how you intend to replace that income if it expires within three years.

I have a child living with me that is 18 years old or older, does he/she need to complete sweat equity?
If your child is 18 years old or older and a full time student, they must contribute 50 sweat equity hours.

I have a boyfriend/girlfriend who will not be a co-owner, but will be living in the house. How do you handle this?
All the household income must be counted, including his or hers. Then the person has to complete the sweat equity. They do not need to be a co-owner.

Homeownership