Frequently Asked Questions about Habitat Homeownership
No, Habitat Homeownership is for everyone. We encourage both individuals and families to apply. Here’s a good article on this topic from the Consumer Financial Protection Bureau that you may find helpful.
No, Habitat Homeownership is for everyone. We encourage all people to apply.
No, Habitat Homeownership is for everyone. We encourage all family sizes to apply.
On average, it takes our families about 1 year to complete the program and move into their new home.
Sweat Equity is the time you personally spend helping SPS Habitat Staff build your home. We require 250 hours of sweat equity per adult that will be living in the home. Reasonable accommodations will be made for any physical limitations and/or other disabilities.
Absolutely, all we need is a verification of your income including your tax returns for the last three years.
All of the people who will be living in the house. However, the “applicant” is the person(s) whose name will appear on the deed of ownership.
It depends on what type of bankruptcy and when your debts were discharged. For chapter 7 bankruptcy, your debt must have been discharged for two years prior to applying. For chapter 13 bankruptcy, you must complete your payment plan prior to applying.
Habitat for Humanity is nontraditional mortgage lender. We are here to help people who may have run into credit problems in the past, but who can demonstrate the ability and readiness to own their own home.
Habitat Houses are governed by Home Owners Associations (HOAs). Like all HOAs there are rules that state what changes you may or may not make to your home. Most exterior structural changes are not allowed, to maintain a consistent neighborhood appearance. For specific questions please contact our staff at 360-956-3456 X 18.
Our homes are not built with garages to maximize the number of homes we can build in each of our communities.
Unfortunately because of our building schedule, your choice will be limited.