Do I Qualify?

STEP 1 - Do I Qualify?

To be eligible to apply for a Habitat home, you must meet the following four criteria:

1. Residency

  •  Live or work in Fort Collins (or surrounding rural areas), are a US citizen, or a legal permanent resident

2. Need of Housing (examples)

  • Current shelter is inadequate – structural defects, lack of heat, maintenance problems, etc
  • Temporary or transitional housing – living with friends or family
  • Household is overcrowded (number of persons in each bedroom, number of persons sleeping in rooms other than bedrooms)
  • Environment is inadequate – household feels unsafe
  • Household currently pays more than 30% of total gross monthly income for housing
  • Unable to purchase a home through any other means

3. Ability to Pay

  • Able to save $1,500 toward closing costs
  • Must have had any bankruptcy filing discharged 2 years prior to applying for a FCHFH home
  • Monthly debt plus monthly housing cost is less than 40% of gross monthly income
  • No outstanding liens or judgments
  • Cannot have owned a home within the last 3 years (with the exception of mobile homes)
  • We serve individuals and households earning between 35-60% of HUD’s area median income. (Refer to guidelines below)

4. Willingness to Partner

  • Willingness to complete a minimum of 250 “sweat-equity” hours per adult applicant
  • Willingness to consent to a Criminal Background check, Sex Offender Registry check, and credit check
  • Showing initiative by completing tasks in full by given deadline
  • Participating in publicity for Fort Collins Habitat for Humanity
  • Making monthly mortgage payments consistently on time
  • Being a responsible homeowner and neighbor after moving  into Habitat home
  • Maintaining involvement with Habitat through support of future and current homeowners, fundraising endeavors and  community education

STEP 2 – Learn How to Apply

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Equal Housing Opportunity Statement: We are pledged to the letter and spirit of U.S. policy for the achievement of equal housing opportunity throughout the nation. We encourage and support an affirmative advertising and marketing program in which there are no barriers to obtaining housing because of race, color, religion, sex, handicap, familial status, or national origin.