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What is Habitat for Humanity?

Habitat for Humanity is a Christian organization building affordable homes with people who qualify. New homes are sold in exchange for at least 300 hours of "sweat equity" and the cost of building the home.

What are the minimum requirements for purchasing a home?

To purchase a home from Habitat for Humanity you must A) be legal residents of the USA. B) Live or work in the Lakeway Area for at least a year. C) Able to pay a long-term mortgage. D) Able to pay 1% down and closing costs E) Be willing to partner with Habitat and work at least 300-500 hours of "sweat equity". This sweat equity can be used first on other families homes and then on building your own. F) Be willing to attend budget counseling and homeowner workshops and also participate in all Habitat events, all application evaluation steps; provide all application information in a timely, honest manner, and demonstrate a strong commitment to Habitat's goals.

How can I qualify for a Habitat Home?

Lakeway Area Habitat will select "partner families" to become Habitat Homeowners. Partner Families are selected based on three criteria:

1. The Level of Need

Families must have a significant need for improving housing, such as:

- Living Conditions are overcrowded, unhealthy, or in a dangerous neighborhood.
- Applicants do not have a place of their own.
- Rent is too high

2. Ability to Pay:

Purchasing a Habitat home is big investment. A families source of income must be steady and verifiable. Income for all family members (before taxes) who will reside in the home is included, such as: wages and salaries, social security, child support and disability payments.

To qualify, a family's credit report must show that the family is without too much debt, has no tax liens, has paid off accounts in collections or charge offs, and has been out of bankruptcy for at least two years. Income guidelines are as follows:

Hamblen County, Tennessee 

* Income guidelines subject to change. Check with LAHFH local offices for current income requirements

3. Willingness to Partner 

All "partner families" must be willing to work at least 300 hours of "sweat equity" . This sweat equity can be used first on other families and then on building my own. Homeowners will also have to attend budget counseling as well as homeowner workshops. They will also participate in Habitat events, participate in all application evaluation steps, provide all application information in a timely, honest manner and demonstrate a strong commitment towards Habitat's goals.

If you qualify and would like to apply for assistance please download and complete the Application form. You can e-mail it to us at lahfh@yahoo.com , drop it by our office, or mail it to the address listed below.