Could You Become a Habitat Home Owner?

To see if your family may qualify, please answer the following Questions.  Contact us for a Complete Application, if you answer "YES" to these Seven questions.


1. Do you want to live in Starke or Pulaski County?

- Starke/Pulaski Habitat for Humanity, Inc. serves only those who wish to live here and work within reasonable driving distance.

 

2. Have you been employed with the same employer for at least (12) months or have another steady source of income?

As a home buyer, it is important that you have a stable income. If you have income from sources other than employment, you may still be considered.

 

 3. Have you established good credit over the past (24) months?

Since you are buying a home, your application for acceptance into the Habitat program is actually a mortgage loan application. As part of the evaluation process, a credit check will be made on your past payment history. The history will be evaluated on the basis of your repayment history for other accounts that you have. If you do not know what your credit status is, we recommend going to www.freecreditreport.com to obtain a copy of your credit report. If there are errors or misinformation in the credit report, we encourage you to work with the credit bureau to correct it prior to making application. If you have previous slow or late payments, you may still be considered. We will need to see that your payments during the past (12) months have been made on time. Only families who demonstrate the ability to repay the mortgage in a timely manner are accepted.


4. Does your total household income from all sources and from all wage earners living with you, fall within the following ranges?

Due to space limitations, the following income matrix shows only 7 family members, additional family members would increase the matrix limits following the same ratios.


      Family Size           1               2               3               4              5              6              7
          Minimum       12,850     14,950      16,500      18,300     19,500     21,250     22,700
          Maximum       25,620     29,280      32,940      36,600     39,540     42,480     45,420

5.  Have you ever filed Bankruptcy, within the past 3 years?

6. Are you presently living in substandard housing?

7. Are you willing to work 250 sweat equity hours per adult member of your household in the process of building your home?