Apply

Answer the following questions to yourself to help determine if you are ready for homeownership.

Are you and your family ready, willing, and able to:

 

• Make a commitment to live in the same home for many years?  (It’s easy to move when you rent, but when you own a house, moving is much more complicated!)
• Mail my mortgage payment to the mortgage company every month? (All mortgage companies, including Habitat for Humanity, will foreclose on homeowners that become delinquent in their payments).
• Save $2,000 for closing costs and other start-up expenses related to home ownership?
• Budget for ALL expenses of homeownership, including but not limited to water, heat, electricity, garbage, property taxes, homeowner’s insurance, etc.?
• Fix a broken toilet myself, or spend money to hire a plumber when it breaks?
• Spend hours of my “free time” keeping the house in good condition (painting, doing repairs, yard work, cleaning, etc.) instead of doing other things I enjoy?
• Learn the skills necessary to do maintenance on my home?
• Keep the lawn mowed in the summer (this includes maintaining a lawn mower!), and keep the sidewalk clear of ice and snow all winter long?
• Spend time getting to know my neighbors?, since good relationships with neighbors are the start of healthy, strong communities

 

Also, ask yourself the following three questions:

• Do I need a better place to live because my current home is overcrowded, deteriorating, or unhealthy?   Have I done everything I can to improve where I live, but it cannot or will not get any better?
• Am I willing to spend hundreds of hours helping to build my own home before I see any payoff or results?  Can I work hard, consistently, toward my long-term goal of owning my own home?
• Can I share my life and my “story” with other members of the community who want to give me a hand up? 

 

If you answered “yes” to ALL of the above items, you may be ready to become a homeowner.

The next Homeownership Application Orientation Classes have not been scheduled at this time.

 

 

   Your total family gross income should fall within the following guidelines:

                        

Family Size	Minimum Monthly	Maximum Monthly
1	$1,325.00	$2,167.00
2	$1,512.00	$2,475.00
3	$1,704.00	$2,788.00
4	$1,892.00	$3,096.00
5	$2,041.00	$3,342.00
6	$2,196.00	$3,592.00
7	$2,346.00	$3,838.00
8	$2,496.00	$4,088.00
9	$2,646.00	$4,338.00
10	$2,796.00	$4,588.00
11	$2,946.00	$4,838.00
12	$3,096.00	$5,088.00
13	$3,246.00	$5,388.00

 

 

When you own a home, YOU are your own landlord!

 

Rochester Area Habitat for Humanity is an Equal Housing Opportunity lender.