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Applicants must demonstrate that their current housing does not meet their family’s needs. If your current residence is inadequate because of overcrowding, structural damage or does not meet current property codes, or has maintenance issues that your landlord does not tend to, you may qualify for a Habitat home.

The following is a list of other reasons that may qualify as a need for housing:

• Unsafe neighborhood
• Rent is not affordable (more than 50% of monthly income)
• Housing is transitional
• Housing is subsidized

Applicants purchase Habitat homes with moderate interest rate mortgages based on participating lenders special programs. Evergreen Habitat considers credit history, employment, and debt-to-income ratio to determine an applicant's ability to make regular payments and to cover closing costs.

Qualifying Issues to consider:

• Collections Limit: $0, small lower amounts may be an exception, lender determined
• Credit score: Minimum 620
• No liens or judgments
• First time homeowner (have not owned a home in the last 3 years - manufactured homes excluded).
• Bankruptcy: Chapter 7 – 4 years discharged. Chapter 13 – 2 years discharged.
• Employment: For wage earners, you must have two years of steady employment with the same employer. Exceptions may be made for changed jobs in the same field.
• See income qualifications below.

Homebuyers participate in the construction of their home by completing participation hours - building their home and their neighbor's home. Hours can also be completed by attending required classes, volunteering at our Habitat Store, or by volunteering in your community.