Habitat’s Homebuyer Program is currently looking for Qualified Candidates.
We provide you a path to home ownership. Our mission brings people together to build homes, communities, and hope in Cleveland County and the immediate surrounding areas.
What to Expect if You Qualify
- We offer an affordable 30-year home loan at a fixed, below-market interest rate.
- We provide educational courses on homeownership and financial literacy.
- We deliver 100% financing without requiring Private Mortgage Insurance (PMI).
- We ensure that housing costs do not exceed 30% of your monthly household income.
Required Income Qualifications
Minimum Income Requirements based on Household income in the area:
| Number in Household | 1 | 2 | 3 | 4 | 5 | 6 | 7 | 8 |
|---|---|---|---|---|---|---|---|---|
| Minimum Income Requirements | $28,200 | $32,200 | $36,250 | $40,250 | $43,500 | $46,700 | $49,950 | $53,150 |
Maximum Income Requirements based on Household income in the area:
| Number in Household | 1 | 2 | 3 | 4 | 5 | 6 | 7 | 8 |
|---|---|---|---|---|---|---|---|---|
| Maximum Income Requirements | $45,850 | $52,400 | $58,950 | $65,500 | $70,750 | $76,000 | $81,250 | $86,500 |
Additional requirements include:
- Have 12 months of steady income
- Be a legal U.S. citizen or a permanent resident
- Be willing to partner with Rose Rock Habitat and complete educational equity hours
- Need adequate housing (financial and physical)
- Be able to pay for the home
The Process
- After reviewing the Habitat income requirements to see if you qualify, please click the “Start Application” button below to provide us with your contact information. Your information will be submitted to us and we will contact you with our Orientation dates and times.
- Attend a mandatory orientation workshop.
- Receive and complete a home application and submit the necessary documents for a credit inquiry.
- Current Paystubs (30 days)
- Prior 2 Years Taxes & W2’s
- 2 Months of Bank Statements
- Approved applicants will be invited to partner with Rose Rock Habitat and complete educational courses to fulfill the program’s requirements.
We are not taking applications for our New Home Ownership Program at this time. We are planning on starting our new build in the Spring 2024 and will open our enrollment at that time. We are sorry for the inconvenience. Thank you for your patience and understanding.
Our next orientation session is filling up. Please hit the “Start Application” button to provide Habitat with your contact information and hit “submit”. Your information will be submitted to us and we will contact you with our Orientation dates and times.
