Apply For a Home

 

 

Habitat for Humanity provides a unique opportunity for hardworking families to build and buy their own homes. Our homes are sold to our families with an income-affordable mortgage.
Habitat for Humanity homeowner mortgage payments are put into a revolving fund that helps pay for construction of future homes in Cass and Clay counties.

The application process for homeownership through Lake Agassiz Habitat for Humanity is now open.

Applications are available July 5-31,  2018.  Are you ready for homeownership and do you qualify? 


How families are chosen:

The selection of families who will purchase homes from Lake Agassiz Habitat for Humanity is done by the our Family Selection committee in a way that does not discriminate because of race, color, religion, sex, handicap, familial status, sexual orientation, age, gender identity or national origin or because all or part of the applicant’s income is derived from public assistance programs. The applicant families go through the required application and interview process to determine their needs and the ability to meet LAHFH’s requirements.

We use the following criteria to choose families each year:

Residency: Families must have lived or worked within the Lake Agassiz Habitat for Humanity service area for the past year. Lake Agassiz Habitat for Humanity's service area is Cass County of ND and Clay County of MN.

Housing Need: They must currently live in sub-standard housing with structural defects, health hazards, other unsafe conditions, unaffordable or housing that is simply too small for the family.

Partnership: They are willing to partner with Habitat in the construction of the home by contributing "sweat equity" hours (250 hours of labor per adult in the household). Families agree to care, maintain and repair their own home and yard. Families agree to reflect and represent Lake Agassiz Habitat for Humanity in a positive manner. During the application process, an applicant must attend a Habitat Homeownership Introduction class.  Register for this class here:  www.HabitatHomeClass.eventbrite.com

Affordability Need: Each family has a household income that falls within Habitat’s guidelines and shows an ability to repay the mortgage.   

For 2018-2019 Family Selection, your  Annual Gross Income must be within this range in order to be eligible for a Habitat Home

Family Size
Minimum AGI
Maximum AGI
1
$29,050
$34,860
2
$33,200
$39,840
3
$37,350
$44,820
4
$41,450
$49,740
5
$44,800
$53,760
6
$48,100
$57,720
7
$51,400
$61,680
8
$54,750
$65,700

Sweat Equity


Every Partner Family adult (age 18 and up) is required to perform a minimum of 250 hours of volunteer work known as "sweat equity" within the Habitat organization before moving into their home. 100 of the 250 must be done at the build site on their home or other LAHFH homes being build.  Sweat equity is an exciting learning experience in which Partner Families work with family, neighbors, and friends to build other Partner Families’ homes as well as their own. Working alongside volunteers and future neighbors to build their home and community is one of the most rewarding aspects of Habitat for Humanity for Partner Families. Besides working on the construction site, there are many other ways to complete sweat equity hours such as working at the Habitat for Humanity ReStore and attending classes on home maintenance and financial fitness.

Habitat for Humanity does not give handouts, but instead partners with families in need to provide a simple, decent and affordable homes.

ARE YOU READY TO APPLY?
Applications are available July 5-31, 2018 ONLY and can be obtained by:

1.  Stopping at the Habitat ReStore during store hours of Wednesday, Thursday and Friday from 10:00 AM-6:00 PM and Saturday from 10:00 AM-4:00 PM.  Habitat ReStore is located at 210 11th Stree North in Moorhead and is accessible by bus. Restore staff are unable to answer your questions,  but all questions will be answered at the mandatory LAHFH Introduction to Homewonership class. 
2.  Email or US Postal Mail:  Email your name, mailing address and phone number to habitat@lakeagassizhabitat.org    If you request an application by email or mailed to your house, they will be sent out after July 16th.  
3.  Applications will be available at the LAHFH Introduction to Homeownership classes that are only offered in July.  THEY ARE NOT AVAILABLE DURING AUGUST CLASSES

Information on LAHFH Introduction to Homeownership Class:  
New for 2019 homeowner applicants, all applicants must attend a 1-hour LAHFH Introduction to Homeownership Class.  Attending this class is part of LAHFH's "Willingness to Partner" criteria.  Pre-register for 1 class at www.HabitatHomeClass.eventbrite.com that fits your schedule.  Each class will cover the application process, how families are selected and how LAHFH builds it houses.  The class is free.  Interpreters are not provided, but you are welcome to bring an interpreter if needed.  Do not bring children.  All classes are held in the LAHFH conference room located in the Habitat ReStore, 210 11th Street North, Moorhead, MN 

Applications are due by August 31, 2018.  Applications must be mailed to:  Lake Agassiz Habitat for Humanity, Attn: Family Services Director,  PO Box 1022, Moorhead, MN 56561   Do not drop off applications at ReStore of the Habitat Office.

 


 

 
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