homeownership program
Affordable Homeownership Program Applications
This program is specifically designed to make homeownership affordable for moderate, low and very low income households.
how it works
Habitat for Humanity provides a unique opportunity for working individuals and families to build and buy their own homes. Partners work together with Habitat volunteers to build their own houses and those of their neighbors. No previous construction experience is necessary. We will work with you to accommodate your special needs or disabilities. Mortgages are affordable for all home buyers. Your mortgage, including mortgage payment, taxes, insurance, and homeowners association fees, if applicable, will not exceed 30% of your gross monthly income at the time of sale. Partners also participate in financial education and homeownership classes to help ensure long-term success.
how to qualify
Our program evaluates your application using three criteria: need, willingness to partner, and ability to pay. You must apply to find out if you qualify. Here's how we evaluate the three criteria:
Need is determined based on any of these factors, individually or in combination: financial need, lack of adequate housing, living in substandard conditions, need for special accommodations, such as handicap access.
Willingness to partner: Habitat for Humanity uses a "hands up" model. You participate in your success. This can include things like working in your own home or that of your neighbors, taking financial education and money management classes, telling your story, and taking a photo to include in our media posts, etc.
Ability to pay: Upon successful completion of our program, your home will be provided to you in an amount that is affordable to you. Your monthly payment, which includes mortgage, interest, property taxes, and homeowners insurance, will not exceed 30% of your income.
Qualifying Family Income Limits:
| # of people in the household | 1 | 2 | 3 | 4 | 5 | 6 | 7 | 8 |
|---|---|---|---|---|---|---|---|---|
| Minimum household income | 26,092 | 29,820 | 33,548 | 37,275 | 40,257 | 43,239 | 46,000 | 49,203 |
| Maximum household income | 44,760 | 51,120 | 57,540 | 63,900 | 69,060 | 74,160 | 79,260 | 84,360 |
| Household income = all gross income of all adults who will live in the household | ||||||||
our service area
We are currently building homes in Forest Grove, Oregon. We also serve Cornelius, Gales Creek, Banks, Timber, North Plains, Gaston and the surrounding area. If you want to live in another area, you will need to contact the Habitat for Humanity affiliate office in that area.becoming mortgage ready
There are a number of things you can start working towards right now that can help you to be able to put your best foot forward someday for applying for a mortgage. Here are things you can start now to get you closer to home ownership.Homeowner applications are currently closed. Sign up below to be notified when they reopen.
Instructions
Click here for the instructions to fill out the application for the Affordable Homeownership Program.
Frequently Asked Questions
Click here to see frequently asked questions about the Affordable Homeownership Program.
Haga clic aquí para las instrucciones para llenar la solicitud y para accesar un documento de preguntas frecuentes.
questions?
If you have questions about our Affordable Homeownership Program and the application process, please call our office or email Virginia Ohler, our Executive Director.
Office number: (503) 359-8459
Email: esther@westtualityhabitat.org
West Tuality Habitat for Humanity is an equal opportunity provider. We are committed to the letter and spirit of American policy for equal housing opportunity across the country. We encourage and support an affirmative marketing and advertising program where there are no barriers to obtaining a home due to race, color, religion, gender, disability, familial status, or national origin. We also do not discriminate because all or part of the applicant's income is derived from public assistance programs.