Are you looking for a new home?Habitat for Humanity welcomes all applicants. Applicants need not be affiliated with any faith or denomination. Our purpose is to build homes and sell the houses using a non-profit loan to persons who could not otherwise afford a home.
Basic Guidelines for Home-ownership by Being a Partner Homeowner
Current IncomeThe percentage of your monthly income that you currently spend on housing is considered to determine need. Your household may be considered if your total income falls within the stated guidlines. An example for the year 2019, would be the following guidelines: if you become a partner homeower of four in your home, you must earn at least $33,000 but not more than $55,200. You will be required to openly and fully discuss your financial situation with a Habitat Qualified Loan Originator
Ability to Pay
You will be buying your home from Habitat for Humanity and must be able to demonstrate your ability to pay the monthly house payment. This payment will include the mortgage payment, real estate taxes, and insurance. Because you will have a non-profit loan, your monthly payment will be less than with a conventional loan.
You must currently live in Clinton County and have done so for at least one year. You will be considered for a Habitat home if your present housing is not adequate, and if you are unable to obtain adequate housing through other conventional means. Lack of adequate housing may include problems with the present structure such as the water, electrical or sewage service systems; heating system; or failure to meet city property maintenance standards. Also taken into consideration are the numbers, the ages and the gender of children compared to the number of bedrooms in your present home.
How to Apply
Open Enrollment Period for the applications will be from August 16 to September 15 each year. Locations to obtain an application will be posted on this website and also at several locations in Clinton County. After September 15, applications will not be given out. All applications are due back to the Habitat office by September 29, 2021. Would you like an application? CLICK ON THIS LINK (This link will be active from August 16 to September 15, 2021).
Fill out an application send it to P.O. Box 2282, Clinton Iowa 52733-2282. Finally you must attend one meeting for applicants. This meeting will be at Zion Lutheran Church on August 28th at 2:00 pm (applications will be available at this meeting. When you download the flyer the sites and addresses are listed in that Flyer.
Willingness to Partner
When selected, you become a “partner homeowner” in the Habitat movement. To be a “partner homeowner,” you must complete 300 hours of volunteer work with Habitat, which will count toward your total “sweat equity” contribution to be completed before becoming a homeowner. These hours may be earned by assisting in constructing your home, providing food for volunteers, or volunteering in the community. Family and friends may contribute up to 120 hours of your sweat equity.
You will be responsible for maintenance and repairs of your house from the time you move into your home.
After moving into your home, the Homeowner Support Committee will maintain an ongoing relationship with you; this may include financial counseling and household maintenance education.