At Habitat the house is not the end... it's the means. The end is a successful family in a thriving and healthy community. We believe that one of the best ways to get a family to success and a community to thrive is by our fellow neighbors, those we share our community with, all housed in affordable and healthy homes.
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Working families in need of a decent, affordable home and motivated to work to become homeowners are encouraged to apply. Three distinct areas are considered when reviewing potential “Partner Families” as first-time homeowners:
Family currently pays more than 30% of income for housing and is unable to find an affordable alternative.
Family currently lives in housing which is overcrowded or in Substandard condition.
Family has reliable yearly income above 30% and below 80% of the median income set by HUD guidelines according to family size.
Ability to Pay
Families must demonstrate the ability to make a down payment of $500, pay a monthly mortgage payment – including taxes and insurance (about $600-$800 per month) – and afford to pay monthly utility bills and other expenses.
Willingness to Partner
Partner families should be honest and cooperative in the partnership with Habitat. They must contribute a minimum of 200 volunteer hours of sweat equity and maintain the house after moving in.
To qualify to become a Habitat partner, families must live or have worked in St. Joseph County MI for the last 12 months and be a U.S. citizen or have a permanent resident card.
We do not eliminate applicants or discriminate because of race, color, religion, gender, sexual orientation, handicap, family status, ethnicity, national origin, or public assistance as a source of income.
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