Minimum Qualifications

Residency:  You must live or work in Autauga or Chilton Counties for at least 9 months before applying.  You must be a U. S. Citizen or a permanent resident.
Need:  If the home your are living in:

• is structurally unsafe
• has electrical, plumbing or unsanitary conditions
• has crowded living conditions
• used 30% or more of income for housing
• is not properly suited for a disabled person

Ability to Pay:  If you do not qualify for other home loans and your income falls within HUD guidelines, you may qualify to apply.  You must also have:

• steady monthly income
• decent credit report of about 550

Willingness to Partner:  Sweat Equity hours will be required before moving into your home. 

• A married couple, not disabled, must complete 400 hours. 
• A married couple, disabled, must complete 200 hours.
• A single, not disabled, must complete 200 hours.
• A single, disabled person, must complete 100 hours.

If you are selected, you must agree to a monthly down payment of 2% of your income until you move in.

**Habitat does not charge interest on their loans. 
***If you are a registered sex offender, had a drug conviction in the past 3 years or are in current bankruptcy, we are unable help you at this time.