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 are scheduled Tuesday, February 28th @ 7:00 pm, Thursday, March 1st @ 5:00 pm or Saturday March 3rd at 10:00 am.  You must register for an orientation class. Attendance at this meeting is mandatory in order to receive a homeowner application.  Please make any necessary child care arrangements, so you do not have to bring children to this meeting.  The meeting will be conducted in conversational English.  If you require an interpreter, please bring one.  Please be on time!  You will receive your homowner application at the end of this meeting.

 

Contact the Habitat Office at office@rahh.org or call 507-252-0849 ext 1 to register for the next Application Orientation Session.

 

   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.