The next application period will open in November, 2022.

Your current housing is not adequate:

• Unsafe conditions
• Non functioning heat, plumbing or electrical due to lack of repair
• Structural issues such as leaky roof, rotten floor boards, broken windows, etc.
• Overcrowded—not enough bedrooms for family size or living with another family
• Too expensive—you pay more than 30% of your gross income for your current housing

• Must have a minimum annual income and not exceed maximum income guidelines as determined for each project. 
• Must have a stable source of income for the past 24 months, including a current employer you have been with for a minimum of the past 12 months. 
• Must have enough income to pay monthly mortgage payments, property taxes, and insurance. 
• Must have enough income to pay other bills such as electric, phone, and other reoccurring debts you may have (credit card, car payment, etc.)  
• A credit report will be conducted on candidates. Perfect credit is not required, but an established, consistent record of payments is. 
• No Judgements & Liens in the last 2 years, and all beyond then are paid in full. 
• Any Chapter 7 Bankruptcies must be 3 years from discharge date with no delinquencies in last 2 years. 
• Any Chapter 13 Bankruptcies must be 1 year from discharge date, no delinquencies. 
• Applicants must be US Citizens or have Permanent Residency Status. 

Willingness to Partner includes but is not limited to being willing to: 

• Submit forms promptly during both the application period and loan application period. 
• Participate in a home visit conducted by members of Habitat’s staff and board.     
• Sign the Partnership Agreement with Habitat,  and agree to meet certain benchmarks and requirements during the “partnership period” and until loan closing. 
• Attend and participate in “Homeowner Classes” that teach financial management, home maintenance, and other homeownership topics that will help lead to a successful homeownership experience. 
• Willing to fulfill “sweat equity” hour requirements by working to build your home, work on other homes and in the ReStore.   A two adult household must complete 500 hours and a single adult household 250 hours. 
• Save up for closing costs. 

• Must live or work in Lyon County for at least the past 12 months. 
• Must agree to submit to a criminal background check. 
• Must agree to submit to a sex offender registry check.