Rockford Area Habitat for Humanity opens up an application period once every one or two years. One of the quickest ways to be notified of upcoming opportunities to apply for homeownership is to follow us on our social media platforms:
The application process
During an application period, we will host several Application Seminars. Attending an Application Seminar is not required to apply, but these seminars are a great opportunity to learn about the program and to complete an application. Application Seminars last 3-4 hours and will give you a lot of information about the history of Habitat for Humanity, as well as what you can expect if you are selected as a homebuyer. You will need to bring some important items to the seminar in order to complete your application.
- 6 weeks of paystubs
- 1 year of tax returns and W2s
- Photo ID
- Proof of guardianship for children living in your home, i.e. birth certificates
- Proof of any other income you choose to include in your application such as child support, alimony, disability, etc.…
Once your application is complete, our loan originators will review your application to ensure you meet the financial criteria. If you meet the ability to pay qualifications, then our Homeowner Selection Committee will set up a home visit to assess your need for affordable housing.
If you do not meet the criteria for ability to pay nor need, we will host an additional homebuyer workshop to help you determine what options may be available to you for homeownership. For example, if your income exceeds the maximum income for a Habitat mortgage, perhaps a traditional mortgage is a better solution for you to consider.
If you are interested in adding your name to our contact list to be notified of future application seminars, please click the button below.