Need - Is determined by one or more of the following:
Current housing conditions overcrowded; structural, environmental and/or neighborhood safety issues; paying more than 50% of family gross income for rent and utilities combined; living in a temporary housing situation; current housing has barriers to physically challenged family members; living in subsidized housing; unable to obtain conventional financing for a home.

Ability to Pay - Annual gross income must be in the following range to determine if Habitat homeowners could pay the monthly mortgage.

Willingness to Partner - Selected Habitat homeowners or “Partner Families” are required to complete volunteer hours (called sweat equity hours) by working on their own home and other Habitat homes. For a single adult family, 300 hours are required; for 2-adult families 500 hours must be completed before they can own their home.

Habitat Partner Family Requirements:
Complete the required sweat equity hours; have $600 for down payment ($300 due when application is approved; $300 due at closing); complete Home Buyer Education classes; pay the monthly no-interest mortgage;have documentation that proves legal residency and eligibility to work in the United States.

How to Apply:
Contact 593-3921 or families@greenbayhabitat.org.

What Habitat for Humanity will do for a Partner Family
Provide volunteer labor to build the home.
Provide a no-interest mortgage that is calculated based on the family income and which includes property taxes and homeowners’ insurance.
Provide the homeowner with a Family Advocate who serves as a liaison between the family and Habitat to ensure that the family understands the requirements of becoming a Habitat homeowner.
Provide resources for financial counseling for budgeting and managing family finances.