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:

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 year round for a build to be completed 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 is required to provide 250 hours of labor toward building a 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 maximum yearly family income ranges from $25,100 for a family of two to $41,450 for a family of eight.

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 a minimum of two years.

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.

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