Apply for a Home

NEED
You must be a resident of Carroll County for a minimum of one year.
You will be considered, for a Habitat home or repairs to your home, if your present housing is not adequate or safe, and if you are unable to obtain such housing through other conventional means. Lack of adequate, safe housing may include problems with the present structure; water, electrical, heating or sewage systems; or failure to meet property maintenance standards.

ABILITY TO PAY
You will be required to openly and fully discuss your financial situation.
Your total family income must not exceed $36,400, which is 50% of the 2006 Carroll County median annual family income figure.

Year 2005-2006 Guidelines
Family Size	25% Median	50% Median
One	$12,450	$24,900
Two	$14,225	$28,450
Three	$16,000	$32,000
Four	$17,775	$35,550
Five	$19,200	$38,400
Six	$20,625	$41,250
Seven	$22,050	$44,100
Eight	$23,475	$46,950

HABITAT HOME
You will be buying your home from Habitat and you must demonstrate your ability to pay the monthly mortgage payment. The payment will include mortgage, property taxes, and insurance. Habitat will assist you in developing a budget to determine your eligibility. You will be responsible for the maintenance of your new home.

REPAIR YOUR HOME
You will be required to pay, through a loan from Habitat, for the supplies to repair your home. Habitat will provide the expertise, supervision, volunteer labor, and will order the supplies.

WILLINGNESS TO PARTNER
If selected for a Habitat home or repairs to your home, you become a “partner family.” A “partner family” means you must participate in volunteer work with Habitat, which is called sweat equity.
Sweat equity is your assistance in constructing or repairing your home and the homes of others. Your sweat equity must be completed before you become a homeowner or before the repairs are completed on your home. Examples of sweat equity activities are clearing lots, painting, helping with construction, providing food for volunteers, or working in the Habitat office.

FAMILY SUPPORT
After moving into your Habitat home or after the repairs are completed on your home, Habitat’s Family Support Committee will maintain an on-going relationship with you and your family , which includes financial counseling and household maintenance education.

Please fill out out online Interest Form or download, print and fax or mail in our Family Selection Brochure.