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Are you interested in becoming a homeowner?

Do You Qualify?

Lake-Geauga Habitat  has built over 96 homes with local families who dreamt of being homeowners.
Through the Habitat program, you will build strength, financial stability and self-reliance. If you're interested in partnering with us, please read the requirements below and download our application or stop in our offices to pick one up.

Requirements for Habitat for Humanity Homeownership

  1. Need for adequate shelter. Current housing is poorly maintained, unhealthy, unaffordable, overcrowded or inaccessible for people living with disabilities.
     

  2. Ability to pay the monthly mortgage which averages between $450 and $900 per month.
     

  3. Demonstrate a willingness to partner with Habitat for Humanity by investing 300 hours of “sweat equity” by building homes and attending educational classes for homeownership.
     

  4. Must be a U.S. citizen or permanent legal resident.
     

  5. Have decent and responsible credit including:
    a. Any bankruptcy must have been fully discharged for at 
        least three years.   
    b. No open or unpaid court cases: all fees, fines, time served,
        community service, etc., fully satisfied.

     

  6. All family members to live in the home must pass a criminal background check.
     

  7. Effective January 11, 2020, Habitat requires a $10 (Non-refundable) Application Fee to cover part of the cost of ordering the credit report for the Application for Homeownership. Please submit a check or money order for $10 payable to “Lake-Geauga Habitat for Humanity” when you submit your application for homeownership. We do NOT accept cash or credit cards.

To complete an application, you will need to know the following information:
 

  1. Gross Monthly Income (income before taxes are taken out)
     

  2. Monthly Expenses
     

  3. Long Term Debt (i.e. credit cards, car loans, student loans)
     

  4. Landlord Information – name, address, and telephone number
     

  5. We do not provide emergency housing. The entire process for a Habitat home, should an applicant be approved, can take anywhere from 12 to 24 months to complete.

We do not provide emergency housing. The entire process for a Habitat home, should an applicant be approved, can take anywhere from 12 to 24 months to complete.