There are three areas that Habitat for Humanity of  Lawrence County uses to determine if an applicant is eligible for becoming a partner family:

Need for Housing
You may qualify for a Habitat home if your present housing is not adequate based on:

Unsafe housing – problems with your present residence (water, electrical, sewage or heating systems) or failure to meet city property maintenance standards.
Overcrowded living situation – the number, the ages and the gender of the children/occupants compared to the number of bedrooms in your home.
Being “homeless” – actually without a home or living with friends/relatives.
Over cost-burdened – unaffordable rent payments.
You must be a legal US citizen or Permanent Resident and have lived or worked in Lawrence County for the past 12 months!

Ability to Pay
You will be buying your home from Habitat for Humanity. Applicants must show the ability to pay the monthly mortgage payment. The payments include a no-interest mortgage payment, property taxes and homeowner’s insurance.

Household   Size * Minimum   Income Maximum     Income
1 person 15,000 23,550
2 people 15,000 26,900
3 people 15,150 30,300
4 people 16,850 33,650
5 people 18,200 36,350
6 people 19,550 39,050
7 people 20,900 41,750
8 people 22,250 44,400

Other Requirements:
• Can not have been in bankruptcy in the past 24 months.
• Able to pay $500 down and closing costs totaling $2100 and be able to make monthly payments.
• Decent credit. A credit check will be performed and evaluated.

Willingness to Partner
Once selected by Habitat for Humanity, you become a Habitat Partner Family. Partner families complete a minimum of 400 hours of volunteer work with Habitat, called “Sweat Equity”, which must be completed before moving into the home.

What is Sweat Equity?
There are different ways you are able to complete the “sweat equity” hours. You must complete 100 of the hours working on the construction site. The other hours can come from the required educations classes or ???

Homeowner Education Classes
Partner Families also attend education classes to complete their sweat equity hours. The classes are designed to prepare you to build, own and maintain your new home. We want you to succeed as a homeowner!

Apply
Click Here and submit an application if you think you meet these qualifications.