After attending an information session, applicants submit an application. Applications are reviewed and a home interview will be scheduled if the applicant meets the initial qualifications. The Homebuyer Selection Committee, comprised of volunteers, conducts the home visit and determine which applicants qualify. They then recommend those who qualify for the program to the Board of Directors for final approval.
The total household income must fall within 35-80% of the median household income range given in the qualification income limit chart above.
If you are interested in the B/CS Habitat homeownership program and have reviewed the requirements, the next step is to attend an informational session to learn more about our program and to receive an application. To find out about our next session, please call Delia at (979) 823-7200 ext. 101 or email her at firstname.lastname@example.org.
Yes. We will ask a homebuyer applicant to submit financial documentation to us. Once this has been submitted, we will verify employment, check credit and make an assessment as to whether Habitat is an appropriate program for you.
You are not required to have perfect credit, but B/CS Habitat must ensure that payments are being made. B/CS Habitat does not check your credit score – we use the details of the report to determine your outstanding debts (not including medical debts) and the payments you are making.
Sweat equity is the time participants invest in lieu of closing costs. Following approval by B/CS Habitat’s Board of Directors, the future homeowner must complete 250 hours (per adult) of sweat equity before being able to purchase the home. Your friends and family may also help work toward your hours.
Sweat equity hours can be completed on our construction sites, in the office, or at our retail store.
Yes! In addition to sweat equity hours and homeowner classes, we ask homeowners to share their stories. We occasionally ask homeowners to talk about their experiences in the program or be featured in the media, but we always respect your privacy and wishes.
At Habitat, we build community by asking you to meet neighbors, get involved in Homeowners’ Associations and become a true partner to our program.