Eligibility
Montgomery Habitat for Humanity empowers partner families who qualify to build and buy their own homes. Partner family selection is based on three general criteria: need, ability to pay a no interest mortgage, and willingness to partner with Habitat.
NEED
1. We build homes with people who live in Montgomery County, Alabama.
2. You will be considered for a Habitat home if your present housing is not adequate and if you are unable to obtain adequate housing through other conventional means. Lack of adequate housing may include overcrowding, physically substandard housing, and unsafe or dangerous living conditions.
3. Your income should fall within 30-60% of the median income for Montgomery County for the current year.
4. The percentage of your monthly income that you currently spend on housing is considered to determine your need. You will need to fully and openly discuss your financial situation with a Habitat representative.
ABILITY TO PAY
Since you will be actually buying your home from Habitat, you must demonstrate your ability to pay the monthly mortgage payment. The payment will include not only the mortgage payment, but also the payment for real estate taxes and insurance. Monthly payments are about $400 per month for our new Habitat homes this year. We will help you to determine if this payment will jeopardize your ability to meet all your other family financial obligations and expenses. We can also help you develop a budget to determine your eligibility. There is no interest on the 20-year mortgage loan for a Habitat home.
WILLINGNESS TO PARTNER
1. When selected, you become a "partner family" with Habitat. Your assistance in constructing your home and the homes of others is called "sweat equity" and may include clearing the lot, painting, helping with construction, cleaning during construction, providing food for volunteers, helping in the Habitat office, and completing homeowner workshops. As a partner family, you must complete 400 hours of sweat equity. You will be asked to enroll in several hours of training on budgeting, home maintenance, etc., which will apply toward your sweat equity hours. Hours worked by family and friends may also apply toward your sweat equity.
2. As a homeowner you will be responsible for maintenance and repairs of your house from the time you move in your home.
3. From the time you are selected and after you move into your home, the Family Support Committee will maintain an ongoing relationship with you, which includes financial counseling, resources for household maintenance, and education on home safety.
If you meet the eligibility requirements, click below to learn how to apply to be a Habitat partner family.
NEED
1. We build homes with people who live in Montgomery County, Alabama.
2. You will be considered for a Habitat home if your present housing is not adequate and if you are unable to obtain adequate housing through other conventional means. Lack of adequate housing may include overcrowding, physically substandard housing, and unsafe or dangerous living conditions.
3. Your income should fall within 30-60% of the median income for Montgomery County for the current year.
4. The percentage of your monthly income that you currently spend on housing is considered to determine your need. You will need to fully and openly discuss your financial situation with a Habitat representative.
ABILITY TO PAY
Since you will be actually buying your home from Habitat, you must demonstrate your ability to pay the monthly mortgage payment. The payment will include not only the mortgage payment, but also the payment for real estate taxes and insurance. Monthly payments are about $400 per month for our new Habitat homes this year. We will help you to determine if this payment will jeopardize your ability to meet all your other family financial obligations and expenses. We can also help you develop a budget to determine your eligibility. There is no interest on the 20-year mortgage loan for a Habitat home.
WILLINGNESS TO PARTNER
1. When selected, you become a "partner family" with Habitat. Your assistance in constructing your home and the homes of others is called "sweat equity" and may include clearing the lot, painting, helping with construction, cleaning during construction, providing food for volunteers, helping in the Habitat office, and completing homeowner workshops. As a partner family, you must complete 400 hours of sweat equity. You will be asked to enroll in several hours of training on budgeting, home maintenance, etc., which will apply toward your sweat equity hours. Hours worked by family and friends may also apply toward your sweat equity.
2. As a homeowner you will be responsible for maintenance and repairs of your house from the time you move in your home.
3. From the time you are selected and after you move into your home, the Family Support Committee will maintain an ongoing relationship with you, which includes financial counseling, resources for household maintenance, and education on home safety.
If you meet the eligibility requirements, click below to learn how to apply to be a Habitat partner family.
We are pledged to the letter and spirit of 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.
