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To Own A Home: We offer a "hand-up; not a hand-out". All of our families have an interest free mortgage payment that in most instances will be much lower than they are currently paying for rent and related housing expenses.
How can I become a Habitat homeowner?
There are three basic criteria for becoming a homeowner with Habitat for Humanity Chicago South Suburbs (HFHCSS):
- Need
- Ability to make mortgage payments
- Willing to invest a minimum of 350 hours of “sweat equity”
- Need is determined by your current housing...is it substandard or unsafe with many repairs needed?...is it overcrowded?...is the rent too high for your income?...do you have accessibility problems for a family member?
- Financial Condition: Our programs is dependent on the timely payment of mortgage obligations. Therefore, we will be interested in the stability of your income as reflected by past work history. We will also examine your credit history and level of current debt. A family can have no liens or judgments that cannot be cleared prior to closing. We work exclusively with individuals and families who have incomes falling within the following ranges:
Family Size |
Minimum Income |
Maximum Income |
1 |
$15,850 |
$26,400 |
2 |
$18,100 |
$36,200 |
3 |
$20,350 |
$40,700 |
4 |
$22,600 |
$45,200 |
5 |
$24,450 |
$48,900 |
6 |
$26,250 |
$52,500 |
7 |
$28,050 |
$56,100 |
8 |
$29,850 |
$59,700 |
Sweat Equity
Prospective homeowners
are required to INVEST a minimum of 350 hours of "sweat equity" assisting in the building of their own home and assisting on other affiliate projects.
Steps to Take to become an HFHCSS Partner Family:
If after reading this information regarding need, ability to pay and willingness to partner, you are interested in becoming a partner family please call:
(708) 756-2015 - extension 2.
Leave your name and mailing address and you will be notifed regarding an orientation meeting.
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