Become a Habitat Homeowner

Next Home Applicant Meeting

SPRING 2025-PLEASE CHECK BACK IN FEB FOR DATE TBD

THE FIRST STEP: ATTEND AN APPLICATION MEETING

All applicants are encouraged to attend an application meeting in order to qualify for the Home Ownership Program. Application meetings are held twice a year, usually in April and October, but contact the office to confirm the next date.

PROGRAM: HABITAT PROVIDES THE OPPORTUNITY FOR FAMILIES TO BECOME HOME BUYERS

Our aim is to create an environment of strength, stability, and self-reliance for everyone
Habitat is not a handout, it’s a hand up. Zero percent interest mortgage loans keep the homes affordable. Habitat is a nonprofit organization. Mortgage payments are used to build more homes.
Habitat builds simple, decent, energy efficient homes with 3 or 4 bedrooms, depending on family size. All homes are built in Saline County, many of which are located in Habitat's Partnership Village, located south of downtown Benton.

PROGRAM: HABITAT PROVIDES THE OPPORTUNITY FOR FAMILIES TO BECOME HOME BUYERS

PREPARE YOURSELF TO BECOME A HOMEOWNER AND HELP YOU QUALIFY FOR OUR PROGRAM

Check your credit report! You can start paying off debts and taking control of your credit score. Free copies are available every year at www.annualcreditreport.com
Volunteer at Habitat: Learn all you can about the program and meet other families like yours, already working toward home ownership. Sweat equity requirements cannot be counted until after acceptance into the home-ownership program.

PREPARE YOURSELF TO BECOME A HOMEOWNER AND HELP YOU QUALIFY FOR OUR PROGRAM

DO YOU QUALIFY? FOUR FACTORS WHEN EVALUATING APPLICATIONS

Current resident of Saline County, or an adjacent county without a Habitat, for at least 6 months.
Need for better housing: Income is between 40-60% of the area median income, living in rundown conditions, or paying too much for rent.
Ability to pay the monthly mortgage: Income must be enough to pay the mortgage payment, as well as, other living expenses.
Willingness to partner with Habitat: Willingness to complete Sweat Equity hours, submit monthly mortgage payments on time, and attend Habitat activities.

DO YOU QUALIFY? FOUR FACTORS WHEN EVALUATING APPLICATIONS

AFTER SELECTION: FAMILIES BEGIN WORKING TOWARD THEIR HOME

Each family must complete a minimum of 300 sweat equity hours, plus 150 additional hours per able bodied adult. This includes mandatory home ownership classes, working on each other’s homes, and volunteering at the Habitat ReStore and Habitat Office. Each family will be required to complete a minimum of 25 hours and deposit $500 prior to the start of construction.