Become a Home Owner

How to Become a Home Owner

You can submit a request for application to become a homeowner at the bottom of this page.  First, however, please visit our "How-It-Works" page and read through how the partnership works and the family is selected.  Be sure you understand the process and are able to meet the requirements.

The application process is as follows:

Applications can be submitted from August 15 through October 31. 

Applications received at other times of the year cannot be processed.

Every family must complete an application for home ownership.

Any questions about the application or the application process should be directed to an MAHFH board member at (715) 384-7533.

Applications are accepted either by email or by surface mail from August 15 through October 31 for a house to be built the following year.

The application is reviewed by our Selection Committee who personally meet  with and interview prospective homeowners.

A criminal background check of family members is required.

Selection takes place only as land, funds, and materials for building the house are available.

The house is sold to the homeowner at no profit, and no interest is charged over the term of the mortgage.

Each adult family member must be willing to help build their home and is required to provide 250 hours of labor "sweat equity" toward building an HFH house. This “sweat equity” helps build ownership in the house.

Applicant Qualifications

Current Living Conditions:  This is not limited to, but may include unsafe structural conditions, plumbing, heating, overcrowding, etc. of rental property.

Financial Need:  The applicant may not be eligible for a conventional mortgage through a private lending institution, but eligible through MAHFH.

Income:  The applicant must have a steady income to make monthly mortgage and escrow payments. The family must have an income between $35,900 and $43,080 based on a family of four. (Income is based on HUD income guidelines in relation to Habitat specifications.)

Personal Traits:  The applicant must demonstrate dependability, responsibility, care and concern for the maintenance of a home, and the ability to work well with others.

Criminal Activity:  An applicant convicted of a drug offense within the last 4 years may not be eligible. A convicted sexual offender or a parole violator is not eligible.

Residency:  The applicant must be a legal resident of the U.S. and preferably a resident of the MAHFH service area for the past 12 months or more.

Additional Information

If you would like to receive additional information about the application process for a Habitat for Humanity house, complete the form below and fill in your address, let us know you want more information, and then click the send button.

    Your Name (required)

    Your Street Address (required)

    Your City (required)

    Your State and Zip (required)

    Your Email (required)

    Your Telephone Number(required)

    Date (required)

    Number of Adults and Number of Children in Family (required)


    Your Message