Qualifying for a Home

Application Criteria

Complete and mail the Homebuyer Pre-Screen Questionnaire and a non-refundable $25 money order to: Habitat for Humanity-Valley of the Sun, P.O. Box 20186, Phoenix, AZ 85036. Once your form is received, a case manager will contact you to schedule a one-on-one appointment to be pre-screened. You may also bring in the form with the requested documents on pre-screening days.

Habitat for Humanity, Valley of the Sun is an equal opportunity housing provider and complies with federal regulations regarding discrimination. It considers applicants without regard to their race, religious preference, gender, handicap, familial status or national origin.

Need for Adequate Housing

Lack of decent and safe living conditions as identified by the Habitat for Humanity housing evaluation criteria.
Overcrowded housing conditions.
Excessive home rental expense. A family should not have to spend more than 30% of its income for housing, not including utilities.
Applicants must have incomes that are too low to enable them to secure conventional financing from a traditional lending institution.

Ability to Pay

The gross household income must be between 30% and 60% of the median income for the Phoenix area for the past 2 years. The median income figure varies depending on the size of the family.
Must have a two-year history of stable income.
Monthly long-term debt payments, including prospective mortgage payment, should be less than 41% of a family’s income.
An acceptable history of credit and a good record of paying rent and utilities.
Ability to cover closing costs (approximately $2000).
Applicant must be a U.S. citizen or a permanent resident alien.

Willingness to Partner with Habitat

Be willing to contribute at least 400 hours of sweat equity towards the building of Habitat homes.
Be willing to participate in the Home Maintenance Savings Plan.
Be willing to live in the neighborhood in which Habitat is currently building and follow city and subdivision regulations.
Be willing to be a participating member of the Homeowner’s Association.
Attend required workshops for success in homeownership.

For questions on qualifying for a home, please email us through our homeownwership contact form.

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