Welcome to the Habitat Homebuyer
​Application Presentation

Are you interested in homeownership? Or, have you been searching for a decent and affordable place to call home? 

Here, you will learn about the Homeownership Program at Greater Green Bay Habitat for Humanity. Serving Brown County, Wisconsin, Greater Green Bay Habitat for Humanity builds new construction homes and sells them to people and families residing in the community with an affordable, 0% interest mortgage. The Homeownership Program provides benefits to our Habitat homebuyer(s) and the community. Habitat Homebuyers benefit from decent, affordable housing while the community benefits from the redevelopment of neighborhoods and an increase in tax revenue. The Habitat Homeownership Program does not give homes away for free.

Interested in taking the next steps? The application process is open, and members of our community who qualify are encouraged to apply. The first step in the process is watching the informational presentation below to learn about the program requirements. The presentation must be reviewed in its entirety to ensure that you have familiarized yourself with the necessary information and meet the qualification requirements in order to apply. 

Step One: 
View the Homebuyer Program presentation.

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Step Two:
Review the application guidelines.  Click below to view:

2023_document_checklist_-_english.pdf
File Size:	147 kb
File Type:	pdf

Download File

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Step Three:
Print the application or visit our office for a hard copy. Complete the forms in their entirety and follow the instruction before returning it to the office. 

2023_fall_homeowner_application_10-26-2023.pdf
File Size:	546 kb
File Type:	pdf

Download File

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2023_document_checklist_-_english.pdf
File Size:	147 kb
File Type:	pdf

Download File

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Step Four:
Provide a $30 application fee (nonrefundable) paid by check or money order, written out to “Greater Green Bay Habitat for Humanity.” 

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Step Five:
Schedule a meeting with Family Services to submit an application after documentation checklist is fully complete. NOTE: If your application is incomplete, missing documentation, or does not include the application fee, your scheduled meeting will be cancelled and you will need to reschedule after you have gathered all documents.  

Schedule an Application Review Meeting

Program Qualifications 

1

Need for Housing
Based on current housing conditions, there must be a demonstrated need in order to qualify for a Habitat home. Some examples of need are outlined below. This list is not all-inclusive.

• Unsanitary conditions or health risks out of the applicant(s) control.
• Currently living in temporary/transitional housing, living in Section 8 housing or other housing programs.
• Your home is overcrowded.
• Current housing does not meet the physical needs of the household member(s)
• Unable to obtain a conventional or government assisted mortgage

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2

Ability to Pay
Since our Homeownership Program families will be buying a Habitat home, applicants must show that they have the ability to pay for the home.

• Applicant(s) can afford to pay the monthly house payment set at approximately 28-30% of gross monthly income (principal, taxes and insurance are included in the monthly payment), and projected monthly utilities (i.e. electric, gas, water, sewer). 
• Applicant(s) must have a source of stable income that may include wages from a job, SSI, Social Security, child support, public assistance, or alimony.
  • ​Wages from employment, applicants must be employed at the same company for a minimum of two (2) years. 
  • Temporary jobs are generally not considered permanent.
  • If self-employed, a year-to-date profit and loss statement is required.
• Debt: applicant's credit history does not need to be perfect, and many applicants have some debt. However, it is important for applicants to know how much they owe and the total amount of debt to income. 
• Applicant(s) must not have filed bankruptcy within the past two (2) years. 
• Applicant(s) must not have outstanding debt such  as collections, liens, or judgements that cannot be reasonably paid by the completion of the home.
  • Past due accounts must be under $2,000. 
• It is recommended that the applicant(s) obtain a free copy of their credit score report to ensure all credit is reported accurately - you can visit www.annualcreditreport.com.
• Total household income falls within the minimum and maximum income limits in the following chart:

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3

Willingness to Partner
Willingness to partner means working hard to earn a Habitat home, but what does that look like for the future Habitat homebuyer? 

• Applicants must be willing to work in partnership with Greater Green Bay Habitat for Humanity with positive and active involvement in the Homeownership Program. 
• Homeownership Program participants fulfil sweat equity, labor that you and your family must provide during and after the construction of your home. Applicant(s) must be willing to complete 250-500 sweat equity hours by attending classes and workshops, working at the Greater Green Bay Habitat for Humanity ReStore, participating in Habitat or ReStore events, and building their home  or other Habitat homes. 
• Represent Habitat well in the community and be a good neighbor.​

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Additional Applicant Requirements

• Live in Brown County, Wisconsin for at least six (6) months.
• Be a U.S. citizen or permanent resident.
• Wisconsin is a marital property state and Habitat requires married couples to apply jointly. 
• Divorce proceedings must be finalized.
• All adult household members over the age of 18 must sign a general release for a background check and other verification.
• It is important to determine who the homebuyer will be when there are multiple adults who are planning to live in the home permanently. 

Don't Meet the Requirements Yet? Almost Home Can Help You Prepare for the Next Steps.

After watching the Habitat Homebuyer Program presentation, if you feel like you're not quite ready to take the next steps and submit an application, then Almost Home might be right for you. Learn more about our Almost Home program; aiming to help people who are unsure if they qualify or not for the Homeownership Program and navigate the complicated steps towards becoming "mortgage ready." Or, submit your contact information to be notified of the next application meeting. 

Click to learn more about Almost Home

Non-Proselytizing Policy
Habitat for Humanity International and its affiliated organizations (HFH) will not proselytize. Nor will HFH work with entities or individuals who insist on proselytizing as part of their work with HFH. This means that HFH will not offer assistance on the expressed or implied condition that people must (i) adhere to or convert to a particular faith or (ii) listen and respond to messaging designed to induce conversion to a particular faith.