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Home Ownership

These income guidelines are in effect until June 6, 2022. 



How Do I Qualify for an Otsego-Antrim Habitat for Humanity House? 

Otsego-Antrim Habitat for Humanity (OAHFH) builds simple, decent, affordable homes in partnership with those who need a better place to live, who would like to purchase their home but are unable to qualify for a traditional home mortgage. You should be ready to accept the responsibility of being a homeowner.

To be eligible to apply for a Habitat home, you must be a U.S. citizen or a permanent legal resident and cannot already own a home. If you can answer yes to those three questions, you may qualify to own a Habitat home. If it any point you feel that you would not qualify for a Habitat home we may be able to refer you to another program. Please call us at (989) 732-6070. 

Please note that when building is completed and an occupancy permit issued, homes are sold - NOT given to the partner family. The partner family will pay a monthly mortgage payment that includes taxes and insurance for 20-30 years.

Habitat families are selected based on the following criteria listed below. 
1. Ability to Pay - The future home owner partner must meet all of these conditions for consideration into our housing program:
     âŒ‚  Debt-To-Income ratio is 30% / 43% (this is to protect the buyer so that they will have income to afford
          other common living expenses after meeting the monthly mortgage obligation). 
     âŒ‚  Possess solid credit history with satisfactory payment of debts.
     âŒ‚  Be able to meet the terms of grant funding, and be able to place a deposit on the house.                                        2. Need - (The partner family must meet at least one condition under "Need"):
     âŒ‚  You were unable to obtain adequate housing through conventional means of a bank or government loan.
     âŒ‚  Your present housing is unsafe, in disrepair, or is not adaptable for disabled persons.
     âŒ‚  You cannot already own your home and have no permanent housing and either live in transient housing,
          with family, friends or in a shelter.
​3. Willingness To Partner - (The partner family must meet all these conditions):
     âŒ‚   Complete an application package.
     âŒ‚    Attend all required meetings, workshops and classes.
     âŒ‚    All families selected for the program will complete 200-350 hours of volunteer "Sweat Equity".
     âŒ‚    Willingness to accept available land for the location of the home and the design plan for the house.
4. Residency:
     âŒ‚ You must be a U.S. Citizen.
     âŒ‚ You must be a resident of Antrim or Otsego County for one full-year.
  Application for a Habitat for Humanity Home

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