Family Selection Qualifications
Families are selected based on the following:
1. Need: An Applicant’s family have need if they pay more than 30% of their income towards rent, the home they are living in is too small for the number of people, their home is substandard, the roof leaks, the plumbing or wiring is bad, etc. and/or children (if applicable) do not have a safe place to play.
2. Ability to Pay: Habitat sells the completed home to partners at cost with no interest charged. We use a mortgage based on at least 25% of their income going to payments. Payments include taxes, insurance, and a principal payment. Currently, we accept applications from people who earn a gross income of 40-60% of the area median income. As of February 2015, this was $25,920 to $38,880 for a family of four.
3. Willingness to Partner: Habitat requires each partner to be responsible for 500 hours of “Sweat Equity” (volunteer work time) with Habitat. The people who will be living in the home must work 250 and the additional 250 can be done by friends and family. 200 of these hours must be done on the actual construction of a home. The sweat equity gives a sense of self-pride as well as a new knowledge and understanding of the building process and your home in general.
4. Residency: Habitat requires applicants must have lived or worked in Missoula County for at least one year prior to submitting an application.
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