Habitat for Humanity – DeKalb is a home ownership program that builds homes in partnership with people in need.
Those interested in partnering with Habitat for Humanity must meet the qualifications of Need, Ability to Pay and Willingness to Partner.
We serve people who do not own their own home and are unable to obtain a conventional loan.
We sell new or rehabilitated homes with a no interest, no profit loan. The homeowner pays for the home with a no-interest home loan; typically 30 years. Total payments are usually less than the homeowner has previously paid in rent. We do business in accordance with federal fair lending laws and do not turn away applicants on the basis of race, color, national origin, religion, sex, handicap, or familial status.
Steps to apply:
STEP 1: Attend Homeowner Information Session
Information about our program will be presented with opportunities to ask questions. After the session, you can decide if you would like to complete a Homeowner Application. You will leave the session with an application and list of documents you need to gather in order to submit a complete application.
STEP 2: Application
We will review your application and supporting documentation. Your file must be complete in order to be reviewed. If basic financial and criminal background criteria is met, the application will move forward. If your application is not eligible, you will be contacted at this time with recommendations for applying in the future.
A sexual offender and criminal background check will be conducted. Employment and rental history will be verified. Then, a member of the Family Selection Committee will contact you to set up a time to visit and conduct an interview with you and your family at your current residence. This is a time for the committee member to further explain the program, answer questions, and determine need.
STEP 3: Approval
If the completed application fulfills all the criteria, the qualified applicant will be presented to the Board of Directors who will make a final decision on a family’s acceptance into the program. Inevitably, there will be more qualified families than homes available so not all qualified families will be approved.
We do not keep a waiting list and do encourage applicants to reapply in the future.