GET INVOLVED You can make a difference!
GET INVOLVEDYou can make a difference!

BECOME A HOMEOWNER

Habitat for Humanity sells the homes to partner families with a no interest mortgage. In figuring affordability, affiliates use the guideline that no more than 30% of a family’s monthly income should be spent on housing. (This is the percentage recommended by HUD and includes mortgage payment, taxes and insurance.) The length of the Habitat mortgage is generally 20-30 years, depending on a family’s income and/or other circumstances.

 

RRVHFH accepts applications from potential partner families on a continual basis.


 

Criteria for Family Selection

1. Need

a)  You will be considered for Habitat homes if your present housing is not adequate, and if you are unable to obtain adequate housing through other conventional means.  Lack of adequate housing may include problems with the present structure, water electrical or sewer systems, heating system, or failure to meet city property maintenance standards.  Also taken into consideration are the number, the ages, and the sex of children compared to the number of bedrooms in your present home.

 

b)  The percentage of your monthly income that you currently spend on housing is considered to determine need.  You will be required to openly and fully discuss your financial situation with a Habitat interviewer.  Any personal information Red River Valley Habitat for Humanity receives from you will be kept confidential and secured.

 

c)  You and your family will be considered if your total income is at least 30% of the median income for Grand Forks and not over the range of 175% of Federal Poverty Guidelines.  The chart below is for 2015.

 

 

Family Size Gross Annual Income

Family Size

 

Gross Annual Income

1

..........................................................

$14,250

and

$20,598

2

..........................................................

$16,250

and

$27,878

3

..........................................................

$18,300

and

$35,158

4

..........................................................

$20,300

and

$42,438

5

..........................................................

$21,950

and

$49,718

6

..........................................................

$23,550

and

$56,998

7

..........................................................

$25,200

and

$64,278

8

..........................................................

$26,800

and

$71,558

 

If your income is within this range, you may be considered to become a Habitat partner.

 

2. Ability to Pay

Since you will be actually buying your home from Habitat, you must demonstrate your ability to pay the monthly mortgage payment.  This payment will include not only the mortgage payment, but also the payment for real estate taxes and insurance.  We will help you to determine if this payment will jeopardize your ability to meet all of your other family financial obligations and expenses.  We can also help you if you need to develop a budget to determine your eligibility.  You are also required to provide copies of your federal income tax forms for the past three years.

 

3. Willingness to participate as a partner with Habitat

As a partner family, you must complete a total of 250 hours of "sweat equity" per adult in the household before moving into your new home.  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 clearing the lot, painting, helping with construction, providing food for volunteers, working in the Habitat office or other approved activities.

 

If you meet all these requirements and would like to apply, please contact us at 701-772-4418 or email   kyle@rrvhabitat.org .

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We need you!

We are currently seeking committed volunteers to serve on our Board of Directors and many committees.  Please click here for more information.

Contact Us

Red River Valley 
Habitat for Humanity

Kyle Kosior
Executive Director
PO Box 5415
Grand Forks, ND 58206

Office Phone:        701-772-4418
Cell Phone   701-732-0188
Email: kyle@rrvhabitat.org

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© Red River Valley Habitat for Humanity | PO Box 5415 | Grand Forks, ND 58206 | 701-772-4418 | info@rrvhabitat.org