Application Status:
Greater Green Bay Habitat for Humanity applications are currently closed.
Thank You for Your Interest in Homeownership Through Habitat for Humanity!
Greater Green Bay Habitat for Humanity builds new homes in Brown County and sells them with an affordable 0% interest rate mortgage. Through our Homeownership Program, we help qualified low- to moderate-income individuals and families who cannot obtain a conventional bank loan.
Habitat homes are made affordable thanks to volunteer labor and the interest-free mortgage. It’s important to know that we do not give homes away. Homeowners purchase their homes and make monthly payments set at about 28–30% of their gross income. These payments cover the mortgage, property taxes, and insurance.
Meet our current families and explore what we’re building now by visiting our Current Builds page!
Habitat homes are made affordable thanks to volunteer labor and the interest-free mortgage. It’s important to know that we do not give homes away. Homeowners purchase their homes and make monthly payments set at about 28–30% of their gross income. These payments cover the mortgage, property taxes, and insurance.
Meet our current families and explore what we’re building now by visiting our Current Builds page!
Homeownership Program Qualifications
1. Need for Improved Housing
To qualify for the Homeownership Program, applicants must show a demonstrated housing need. Examples of various housing needs are provided below, though the list is not exhaustive:
To qualify for the Homeownership Program, applicants must show a demonstrated housing need. Examples of various housing needs are provided below, though the list is not exhaustive:
- Unsanitary conditions or health risks outside of the applicant(s) control.
- Currently living in temporary or transitional housing, Section 8 housing, or other housing programs.
- Overcrowding in the current residence.
- The current housing does not meet the physical needs of household member(s).
- Lack of ability to obtain a conventional or government-assisted mortgage.
2. Ability to Pay
Applicants must fall within 30-80% of Brown County's Area Median Income (AMI) based on family size and have a reliable source of income (employment, SSI, child support, etc.) to pay an affordable, interest-free mortgage.
Applicants must demonstrate an ability to make monthly mortgage payments, which are set at about 28–30% of their gross monthly income. These payments include principal, property taxes, and insurance. They also must be able to pay for projected utilities (electric, gas, water, sewer).
Credit history does not need to be perfect, and some debt is acceptable. However, applicants must:
Applicants are encouraged to obtain a free credit report at annualcreditreport.com to ensure accuracy.
Finally, total household income must fall within the minimum and maximum limits shown in the chart below:
Applicants must fall within 30-80% of Brown County's Area Median Income (AMI) based on family size and have a reliable source of income (employment, SSI, child support, etc.) to pay an affordable, interest-free mortgage.
Applicants must demonstrate an ability to make monthly mortgage payments, which are set at about 28–30% of their gross monthly income. These payments include principal, property taxes, and insurance. They also must be able to pay for projected utilities (electric, gas, water, sewer).
- For wages from employment, applicants must have worked at the same company for at least two years.
- Self-employed applicants must provide a year-to-date profit and loss statement.
Credit history does not need to be perfect, and some debt is acceptable. However, applicants must:
- Understand their total debt and debt-to-income ratio
- Not have filed bankruptcy within the past two years
- Not carry outstanding debt (collections, liens, judgments) that cannot be paid before the home is completed
- Keep past-due accounts under $2,000
Applicants are encouraged to obtain a free credit report at annualcreditreport.com to ensure accuracy.
Finally, total household income must fall within the minimum and maximum limits shown in the chart below:
3. Willingness to Partner
- 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 fulfill sweat equity, which is labor provided during and after the construction process. Applicants must be willing to complete 250–500 sweat equity hours through activities such as attending classes and workshops, working at the Greater Green Bay Habitat for Humanity ReStore, participating in Habitat or ReStore events, and contributing to the construction of their own home or other Habitat homes.
- Applicants must represent Habitat well in the community and be a good neighbor.
Additional Applicant Requirements
- Must live in Brown County, Wisconsin for at least six (6) months.
- Must 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.
- When multiple adults plan to live in the home, it’s important to determine who the homebuyer will be.
APPLICATION STATUS
Greater Green Bay Habitat for Humanity applications are currently closed.
To be contacted when the next application cycle opens, please complete this form:
To be contacted when the next application cycle opens, please complete this form:
Application cycle and submissions may be paused at the discretion of Greater Green Bay Habitat for Humanity. Applicants must be Brown County residents and must watch our application presentation in-full before submitting documents for acceptance.
If you have questions, please contact our Family Services department at [email protected]
If you have questions, please contact our Family Services department at [email protected]
Why Apply for a Habitat Home?
|
Affordability
Habitat homes in Brown County, Wisconsin are affordable for people and families and do not exceed 30% of their gross monthly income. Monthly payments include taxes and insurance. |
|
A Trusted Partner
Since 1987, Greater Green Bay Habitat for Humanity has built 140 homes in Brown County, impacting 226 adults and 412 children in our community. |
|
Education
Participants take classes to learn about budgeting, home maintenance, fire safety, and other topics relevant to home ownership. This builds confidence and helps them become more successful homeowners! |
|
Tools & Resources
Homebuyers gain sweat equity alongside staff and volunteers, and continue receiving support and mortgage guidance after purchase. Habitat remains their primary contact for mortgage questions. |
Almost Home Program
Guidance for Those Not Quite Ready to Apply
Not quite ready to apply for the Greater Green Bay Habitat for Humanity Homeownership Program? The Almost Home Program helps individuals and families who are unsure if they qualify. This program provides support to help navigate the steps toward becoming mortgage ready and prepares participants for future homeownership.
|
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. |
