Healthy Homes: Homeownership is a crucial foundation for helping families with low incomes build strength, stability and independence. When families move out of substandard housing and into decent and affordable homes, their health, educational attainment, safety and personal wealth often improve.
The Homeownership Program is currently closed
Applications will be available May 1 – May 29, 2020
Check back soon for scheduled dates for Application Q&A Meetings!
- Have a need for housing/shelter.
- Must be a permanent resident of the United States for at least 2 years.
- Have acceptable credit (No unpaid collections, liens , judgments or charge offs)
- Bankruptcy must be discharged for 2 years.
- Have 2 years of consistent work history.
- Self-employment must be consistent for 2 years and have filed 2 years tax returns
Have not owned a home within the last 3 years.
- Be eligible to open/maintain a savings account.
- Live or work in Rutherford County for at least 6 months.
- Be unable to qualify for a conventional loan due to income level.
- Show willingness to partner with Habitat.
- Be able to pay a minimum of 1% of the sales price down payment/closing cost.
- Be willing to perform a minimum of 300-400 hours of “sweat equity” by helping to build Habitat homes, including your own.
- Complete a mandatory 30 Hours of Home Buyer Education Class.
- Complete a mandatory 8 Hours Post Purchase Education Class.
- Debt to Income ratio must be less that 40%
- You must meet the Income Guidelines per your family size
2019 Income Guidelines
$16,800.00 – $44,800.00 (1 member household)
$19,200.00 – $51,200.00 (2 member household)
$21,600.00 – $57,600.00 (3 member household)
$25,750.00 – $64,000.00 (4 member household)
$30,170.00 – $69,150.00 (5 member household)
$34,590.00 – $74,250.00 (6 member household)
$39,010.00 – $79,400.00 (7 member household)
$43,430.00 – $84,500.00 (8 member household)
These income guidelines are subject to change in 2020
If you are not ready and want to be ready for 2020, call the office to RSVP for the:
Get Ready Classes
Patterson Community Center
The 1st class is Monday May 20th, 2019
This class will give suggestions for improving your financial situation, credit repair, lowering debt, money management & how to become a successful homeowner. Follow the suggestions & return next year to re-apply. Keep in mind many families apply several times before getting accepted.
Unfortunately, Habitat is not emergency housing. It can take up to 18 months to complete the program and purchase a home.
We are pledged to the letter and spirit of the U.S. policy for the achievement of equal housing opportunity throughout the nation. We encourage and support an affirmative advertising and marketing program in which there are no barriers to obtaining housing because of race, color, religion, sex, handicap, familial status, or national origin.
Look at our Homeowners! 😀
Congratulations to Habitat Build #159, the Custer Family!
Congratulations to Habitat Build #157, the Queary Family!
Congratulations to Habitat Build #155, the Batey Family!
Congratulations to Habitat Build #153, the Martin Family!
Congratulations to Habitat Build #151, the Greer Family!
Congratulations to Habitat Build #149, the Mayfield Family!
Congratulations to Habitat Build #160, the McDonald Family!
Congratulations to Habitat Build #158, the Pettus Family!
Congratulations to Habitat Build #156, the Harrell Family!
Congratulations to Habitat Build #154, the Baker Family!
Congratulations to Habitat Build #152, the Taylor Family!
Congratulations to Habitat Build #150, the Smith Family!