HABITAT FOR HUMANITY FOR MONTGOMERY COUNTY, TENNESSEE 2017 Application and drop off with necessary documentation to the Habitat offices at 404 Madison Street. Call 931-645-4222 for assistance.
All Habitat for Humanity home buyer applicants must meet the following criteria:
Willingness to Partner
The partner family will:
- Provide information in a timely, honest manner.
- Participate in the home visit.
- Meet the sweat-equity requirements.
- Participate in education sessions.
- Pay the down payment and closing costs
- Avoid new debt during this process.
- Live where the affiliate has land to build.
- Agree to maintain the home.
- Agree to pay the monthly mortgage.
Financial ability to pay mortgage
Based on the financial information provided, applicants are evaluated based on their income (working, retirement and/or disability), debts and credit history. A partner family’s income should be sufficient so that their Habitat housing costs do not go over 30% of their income.
We use the Housing and Urban Development (HUD) income guidelines to determine if a family qualifies. Minimum income of $851 per month for single homeowners not to exceed $3,015 per month for families of five. Download the application to see full listing of income ranges. Income can include social security, retirement, disability, Families First, child support, and/or alimony.
Need for suitable housing
Applicants who are financially capable of affording a Habitat mortgage will have a home visit by Family Selection Committee members to determine their need for housing. Need may be based on one’s inability to afford their current housing, living with friends/relatives, overcrowded conditions, and/or structural problems. Not every applicant receives a home visit.
All applicants will be screened on the sex offender registry and have a criminal background check