Apply for a HomeIMG_1213

Our Goal is to help hard working families realize their dream of home ownership.

Partnership is at the heart of becoming a Habitat Homeowner. Selected families enter into a long term relationship with Habitat for Humanity. Partner families are expected to continue working with Habitat throughout the building process and act as ambassadors of Habitat programs even after construction is completed.

Interested families must complete a Housing Interest Form to begin the Habitat application process. We also periodically host Habitat Open House information meetings for interested applicants to learn more about our home ownership programs.

If you would like to learn more about how to become a homeowner, call us at 970-264-6960 or complete the Housing Interest Form and return it to us.

Family Selection Criteria

In selecting Habitat Homeowners, Habitat for Humanity of Archuleta County considers the following criteria:

Need for adequate shelter

  • A family will be considered for a Habitat home if their present housing is not adequate – too crowded, too expensive, has structural damage, or is otherwise unsafe.

Ability to pay for the Habitat home

  • When the house is completed, the family will buy the house from Habitat. The family must be able to afford the monthly mortgage payments required to repay a long-term, no-interest loan plus taxes, insurance and utilities for the home. Habitat seeks families who are unable to qualify for conventional loans, but can afford a Habitat home. A family’s income must fall between 30% and 50% of the area median income. The income guidelines for 2012 are listed below.  To determine if a family is able to repay a loan, Habitat considers income sources to the family as well as their accumulated debt and credit record.
Year 2012 Guidelines
Family Size 30% Median 50% Median
One $13,100 $21,750
Two $14,950 $24,850
Three $16,800 $27,950
Four $18,650 $31,050
Five $20,150 $33,550
Six $21,650 $36,050
Seven $23,150 $38,550
Eight $24,650 $41,000

Willingness to Partner

  • An applicant’s willingness to participate with Habitat is crucial. Each selected family must be willing and able to fully participate as a partner.

 

Requirements are:

  • Complete and return the Application for Housing
  • Satisfy the down payment and closing cost requirements.
  • Accept and complete sweat equity requirements of at least 400 hours for a single parent family and 500 hours for a two-parent family.
  • Attend Homeownership classes offered by Habitat or another approved organization.
  • Make timely home payments, maintain the home, and give back through your enthusiastic support of the goals and mission of Habitat for Humanity of Archuleta County.

Other Criteria

  • A minimum of one year residency in Archuleta County
  • Permanent legal resident of the United States
  • Financial responsibility

We are pledged to the letter and spirit of U.S. policy for the achievement of equal housing opportunity throughout the nation. We encourage and support an affirmative advertising and marketing program in which there are no barriers to obtaining housing because of race, color, religion, sex, handicap, familial status or national origin.