AFFORDABLE HOMEOWNERSHIP PROGRAM APPLICATION

This is an application for Lafayette Habitat for Humanity's Affordable Homeownership Program. This is not an application for a mortgage. Please complete this application truthfully, completely, and accurately and upload ALL required documentation. Failure to submit all required documentation will cause processing delays. All information you include on this application will be maintained in accordance with our privacy policy.

 Income Guidelines to Qualify

Household of:
1 person: $23,725 - $47,450
2 people: $27,100 - $54,200
3 people: $30,500 - $61,000
4 people: $33,875 - $67,750
5 people: $36,600 - $73,200
6 people: $39,300 - $78,600
7 people: $42,025 - $84,050

We are pledged to the U.S. policy for the achievement of equal housing opportunity. We support an affirmative advertising and marketing program in which there are no barriers to obtaining housing because of race, color, age, religion, sex, handicap, marital or familial status, income source, national origin, sexual preference, or exercising the right to federal credit protection.

Watch this short video to learn all about our application process, including important tips, documentation you may need, and application deadlines.

SECTION 1: APPLICANT INFORMATION

The Applicant would be the owner of the Habitat home and would be responsible for the Habitat mortgage loan. If someone else will be responsible for the mortgage loan along with you, their information will be requested later in the application. Please be sure to answer truthfully, completely, and accurately. *Note - Applicants must be 18 years of age or older. 

In order to electroncially submit your application, you will need to give your consent to electronically sign your application. Please review the consent to electronic signature information below and check the box if you agree. If you do not agree, you may complete this application, by hand, by picking up a copy of the application at our main office, located at 823 West Congress Street in Lafayette, LA.

SECTION 2: PRIMARY APPLICANT MILITARY SERVICE

SECTION 3: PRIMARY APPLICANT PRESENT HOUSING CONDITIONS/PROPERTY INFORMATION

SECTION 4: PRIMARY APPLICANT EMPLOYMENT INFORMATION

You do not need to be employed to qualify, but you must have enough regular, reliable income to afford a monthly mortgage payment. Please tell us about your employment by listing all of your employers for the last 2 years.

SECTION 5: PRIMARY APPLICANT ADDITIONAL INCOME/ASSETS

SECTION 6: PRIMARY APPLICANT EXPENSES 

SECTION 7: CO-APPLICANT INFORMATION

The Co-Applicant would be the co-owner of the Habitat home and would have joint responsibility for the Habitat mortgage loan. If you are married and not legally separated, your spouse must be listed as a co-applicant. 

CLOSING COSTS

WILLINGNESS TO PARTNER

To be considered for a Habitat home, the Primary Applicant and/or Co-Applicant, and their household members, must be willing to complete a certain number of Sweat Equity hours which may include hours spent helping to build the home and the homes of others, attending homeownership and financial literacy classes, and other approved activities. The Primary Applicant and Co-Applicant must also be willing to save money for closing costs. Are you willing to complete all requirements of the Affordable Homeownership Program? If yes, sign below.

PRIMARY APPLICANT REQUIRED DOCUMENTS

Based on your answers, listed below are the additional documents we'll need to process your application. Please upload this information by clicking on the "browse" button and attaching the needed information. If you need help uploading this information, please view our "How to Apply" video once more. If you still have issues uploading this information, you may bring copies of the requested items to our main office located at 823 West Congress Street in Lafayette, LA. PLEASE NOTE THAT YOUR APPLICATION WILL NOT BE PROCESSED WITHOUT THE APPLICATION FEE AND THE REQUIRED DOCUMENTATION LISTED BELOW.

EQUAL CREDIT OPPORTUNITY ACT NOTICE

TO CONTINUE AND APPLY, PLEASE READ AND ACKNOWLEDGE THIS NOTICE

The Federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status, age (provided the applicant has the capacity to enter into a binding contract); because all or part of the applicant's income derives from any public assistance program; or because the applicant has in good faith exercised any right under the Consumer Credit Protection Act. The Federal Agency that monitors compliance with this law concerning this company is the Federal Trade Commission, with offices at: FTC Regional Office for the East Central Region, 1111 Superior Avenue Ste 200, Cleveland, OH 44114 or FTC, Equal Credit Opportunity, Washington, DC 20580. You need not disclose income from alimony, child support or separate maintenance payment if you choose not to do so. However, because we operate a Special Purpose Credit Program, we may request and require, in order to determine an applicant's eligibility for the program and the affordable mortgage amount, information regarding the applicant's marital status, alimony, child support, and separate maintenance income; and the spouse's financial resources. Accordingly, if you receive income from these sources and do not provide this information with your application, your application may be considered incomplete and we may be unable to invite you to participate in the Habitat program.

AUTHORIZATION AND RELEASE OF INFORMATION

I understand that by filing an Affordable Homeownership Program application with Lafayette Habitat for Humanity, I am authorizing Lafayette Habitat for Humanity to evaluate my need for a Habitat home, my ability to repay the no-interest loan and other expenses of homeownership, and my willingness to be a full partner in Habitat’s Affordable Homeownership Program. I understand that the evaluation may include, but is not limited to, personal visits, credit checks, rent verification, employment verification, criminal background checks, and sex offender registry checks. I have answered all the questions on this application truthfully. I understand that if I have not answered the questions truthfully, my application may be denied, and that even if I have already been approved to participate in the homeownership program, I may be disqualified from the program. I also understand that my signature on this application gives Lafayette Habitat for Humanity, and its partners, permission to use photographs of me and my household, as well as my bio in appropriate publications.The original or a copy of this application will be retained by Habitat for Humanity even if the application is not approved.By signing this statement I am submitting to such inquiries, allowing the release of my personal information to Lafayette Habitat for Humanity, and certifying that all information submitted on this application is accurate and complete.

DEMOGRAPHIC INFORMATION

PLEASE READ THIS STATEMENT BEFORE COMPLETING THE BOX BELOW:

The purpose of collecting this information is to help ensure that all applicants are being treated fairly, that the housing needs of communities and neighborhoods are being fulfilled, and to otherwise evaluate our programs and report to our funders. For residential mortgage lending, Federal law requires that we ask applicants for their demographic information (ethnicity, sex and race) in order to monitor our compliance with equal credit opportunity, fair housing and home mortgage disclosure laws. You are not required to provide this information but are encouraged to do so. You may select one or more designations for “Ethnicity” and one or more designations for “Race.” The law provides that we may not discriminate on the basis of this information or on whether you choose to provide it. However, if you choose not to provide the information and you have made this application in person, federal regulations require us to note your ethnicity, sex and race on the basis of visual observation or surname. The law also provides that we may not discriminate on the basis of age or marital status information you provide in this application. Please indicate below if you would like to provide some or all of this information.

APPLICATION FEE PAYMENT

The application fee is $45.00 per applicant. If there is a co-applicant on this application, both the applicant and co-applicant will need to pay seperate application fees.

Your application cannot be fully processed until all required documents listed above, along with the application fee, are received by our office. All requested documents are required based on the information you provided. If you are unable to upload the documents to this application, please submit copies to our office within one week of your application submission.