There are 3 basic criteria to qualify for the house:

1. You are currently living in substandard housing
For instance: 3 or more people are sharing a bedroom, the building is unsafe, your monthly utility bills are unusually high, your building is infested with pests or rodents, or you are currently living at someone else's home.

2. You have the willingness to partner with us
This means that you are willing to commit 350 hours of your time to "sweat equity" (unpaid labor invested toward homeownership).

3. Your ability to pay
Your recurring monthly debt should not exceed 12% of your monthly income. Recurring debt includes car payments, credit card payments, personal loans and student loans. It does not include utility bills. You must be able to repay a zero-interest mortgage loan based on the cost of the home. Your income must meet Habitat's guidelines and be verified with copies of pay stubs or statements and income tax returns. Examples of income are wages including tips, disability benefits, child support, public assistance including food stamps and unemployment benefits. You must include ALL family income.

Habitat for Humanity will be holding a seminar/presentation during the conference to explain the program in detail. Please review the conference schedule for time and date information.

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