***** Eligibility  *****

Please read the following to see if you meet our general guidelines.

1.) To qualify you must have housing need. (For example: no indoor plumbing, poor heating, leaks in the roof, overcrowding (three to a bedroom), unsafe or unsanitary conditions.)

2.) You need to live in Hardin County for a year.

3.) You need to have a minimum steady income of at least $8000.00 per year.

4.) Your total family income should not be much more than $20,000.00 per year. (Depending on the size of  your family)

5.) With your permission, we will verify employment and other income, verify checking and savings account balances, get a statement from your current and previous landlords, have a credit check done and ask for credit references.

6.) If  you are approved for a Habitat home, we ask that you be willing to join in programs to learn and practice budgeting, home repair and maintenance. We ask that you attend monthly Habitat for Humanity homeowner's meetings, if and when such meetings are established.

7.) If approved for a Habitat home, we require that all adult (18 year and older) members in your household (together with other family and friends) be willing to work a minimum of 500 hours of sweat equity, 100 of those hours before construction can begin on your home.

8.) If approved for a Habitat home, about $200.00 will be needed for a down payment and closing costs. You will have some time to save this money before closing if  your family is selected. Of this amount $100.00 is required prior to construction beginning on your home.

9.) If you are approved for a home and if you meet the sweat-equity and down payment requirements, then we will sell you a home at cost, with a no-interest loan. Habitat house payments include taxes and insurance and will cost approximately $250.00 - $300.00  a month. The house payments will be used by Habitat to build more houses with other families. This requires that you make these payments on time.

If  you are interested in Habitat and if you believe that you qualify for a home according to the above guidelines, we encourage you to request an Application Form by contacting us.

All information is considered confidential and is to be used only for family selection. The application process takes between two and four months.