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Become a Homeowner

Habitat for Humanity is a homeownership program that empowers families to build a new life through the stability and security of owning a home. Contrary to public perception, Habitat homes are not given away...homes are sold to families who qualify, are willing to make a down payment, make a monthly mortgage payment, and put in hundreds of hours of sweat equity labor. Habitat homes are affordable because Habitat for Humanity is a non-profit organization, the homes are sold with a no-interest loan, and the homes are built by volunteers.

Habitat provides "a hand up, not a hand out."

Applicants for homeownership go through an extensive selection process. The process includes a review of their financial status, job history, residency, and other qualifications. Applicants must meet income guidelines, have good credit, a minimal level of debt, and be willing and able to perform 200-250 hours of "sweat equity" to help build their own homes and those of others. The selection process, building of the home, and fulfillment of the sweat equity requirement can take up to 18 months to complete. Because Habitat families help to build their own homes they develop an intense pride in homeownership. They are personally invested in their house and feel strongly that it will provide a better future for their children and future generations. Like any family, Habitat families establish roots in their communities by becoming involved in schools, community service, and business.

To become a Habitat homeowner, the following general requirements must be met:

• You must be a first-time homebuyer and cannot qualify for a conventional loan
• Your income must be within 30% to 60% of area median income
• Your credit reports will be evaluated
• You must have lived in Franklin County for at least one year
• You must be employed or have steady income for the past six months
• You must be a U.S. citizen or permanent legal resident of the United States. For more information or to inquire if you might qualify, contact Lisa Jones, Family Services Director, at 614-364-7014 Monday - Friday 8:00 a.m. - 5:00 p.m.

About the Fair Housing Act

The Fair Housing Act prohibits discrimination in housing because of:

• Race or color
• Handicap
• National origin
• Religion
• Sex
• Familial status (including children under the age of 18 living with parents or legal custodians; pregnant women and people securing custody of children under 18)

"Sweat equity" is work every Habitat owner performs before buying a home. Watch the Columbus Dispatch's feature video about one homeowner's investment in her future.