Qualifications

We aim to enable hard working families across Jackson County to secure stable, affordable housing based on three criteria:

Ability to Pay

You must be able to make monthly mortgage payments for the life of your loan. Please see the income guidelines below.

Income Guidelines: 30%-60% AMI

Download Income Guidelines Sheet

Willingness to Partner

Habitat homeowners work on their own homes as well as┬áhomes for others. Partner families must contribute at least 300 hours of volunteer work, “sweat equity,” to qualify for a home. In addition to these hours, there are mandatory homeowner education classes on topics such as managing credit, budgeting, maintenance of homes and lawns, and preparing a will. You must be available on Saturdays, and you must understand and accept this “Sweat Equity” requirement.

Overall Need

Families often need a home because their current housing isn’t viable. It may be overcrowded, too expensive, structurally unsound, or located in a dangerous neighborhood.