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Own a Home

 

Application process is usually just once a year.  For homes to be built and moved into in 2011, the application process will be year round.

 

Prospective applicants must call the Habitat for Humanity office to register their interest in the program.  The number is 815-726-1880.

 

We currently build in Lockport Township (the Fairmont community) and the east side of Joliet.

 

Criteria:

 

1.                  Need for adequate housing – this can make a difference between your family being selected and another family.  We are currently building four houses a year and we often have more than four families who qualify.  The families with the greatest need are selected first.

    • First preference is for those applicant families that live in Will County.
    • Highest Need – currently living in substandard conditions (roof leaks, furnace/plumbing problems, pest infestations, etc.)
    • Overcrowding
    • Applicants will be given the opportunity to tell Habitat about their own special needs (such as health issues, neighborhood concerns, etc.).

 

2.                   Ability to Pay / Financial Criteria -

    • Income Range* – this is an absolute.  The income ranges are set up to ensure that the selected family has a minimum household income that would enable the family to make the monthly payments and maintain the home.
    • No bankruptcy in the last 2 years – this is an absolute.
    • Have to have good credit.  If an applicant has a concern about their credit, they can contact The Will County Center for Community Concerns at 815-722-0722.

 

3.                   Willingness to Partner with Habitat –

    • Applicant must be willing to contribute a minimum of 350 sweat-equity hours toward the construction of the applicant’s house and other Habitat houses
    • They can perform this sweat equity, or can enlist help from their family, friends, etc. but the applicant is responsible to see that it happens. 

 

*Current Income Requirements (from Dept. Of Housing & Urban Development)

 

Family Size

Minimum Gross

Maximum Gross

           1 Person

$15,850

$31,700

           2 Persons

$18,100

$36,200

           3 Persons

$20,350

$40,700

           4 Persons

$22,600

$45,200

           5 Persons

$24,450

$48,900

           6 Persons

$26,250

$52,500

           7 Persons

$28,050

$56,100

           8 Persons

$29,850

$59,700

 

 

Interested applicants, please call 1(815) 726-1880.