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OUR HOME PROGRAM 2017-06-07T08:26:47+00:00

Our Home Program

To qualify you must NEED a home, Have the ABILITY TO PAY a mortgage and be WILLING to PARTNER with Habitat, putting sweat equity into your future home.

Need

There are many ways you can demonstrate your need of a home. Perhaps where you live is not safe, or affordable. Habitat is not a quick solution, and it typically takes almost a year from applying to closing.

Simply “wanting to own a home” is not need. If you are not safely and or affordably housed, or your current housing situation is not sustainable,  and you can not qualify for a mortgage through a traditional path, a Habitat Partnership may be for you. 

Ability To Pay

Your total Annual Income must be between the amounts listed after your household size:
Number of People & Amount of Income

  1. between  $15,854 and $27,180
  2. between  $18,130 and $38,080
  3. between $20,405 and $34,980
  4. between $22,645 and $38,820
  5. between $24,465 and $41,940
  6. between $26,285 and $45,060
  7. between  $28,105 and $48,180

These income guidelines are set by HUD and fluctuate slightly from year to year. These are valid until June 30, 2017. While we wish we had the capacity to help everyone in need, we don’t, so if you are not in between the numbers above for your family size you will not qualify for a home.

Willingness to Partner 

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Simply put, Habitat needs to know you are willing to be promoted as a Habitat partner family, and put hours in working on the construction of your future home. You must be willing to take financial classes and work on your home to become a Habitat Partner Family. 

Why would you want to partner with Habitat?

There are many paths to Home Ownership, but a traditional mortgage program can be out of reach for many people. We can remove some of the barriers, but not all of them.  If you qualify for a home, we will build or renovate, an energy efficient home for you. We sell it to you for the appraised value, keeping it affordable for your family by fluctuating the terms and not adding market rate interest. Your credit must be decent and your debt load cannot be excessive. The down payment on a Habitat home is $500.00 + your hours of work.  That makes a Habitat partnership an appealing option for many people who would otherwise only be able to afford a “handyman’s dream” home.

We are pledged to the letter and spirit of U.S. policy for the achievement of equal housing opportunity throughout the nation. We Encourage and support an affirmative advertising and marketing program in which there are no barriers to  obtaining housing because of race, color, religion, sex, handicap, familial status, or national origin. We are pledged to the letter and spirit of U.S. policy for the achievement of equal housing opportunity throughout the nation. We Encourage and support an affirmative advertising and marketing program in which there are no barriers to  obtaining housing because of race, color, religion, sex, handicap, familial status, or national origin. ​​

Habitat for Humanity Barry County is a Barry County United Way Agency, a member of the Barry Community Resource Network, the Continuum of Care and the Suicide Awareness Initiative. 
​Please call the suicide prevention lifeline if you are feeling hopeless, and 911 if you are, or a friend is, threatening to commit suicide. 1-800-273-8255