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  • Habitat Homeownership Program

  • We are unable to assist with immediate housing needs.
    If your housing needs are immediate, Habitat for Humanity may not be the best option at this time. We would be
    happy to provide other community resources for you to contact if your situation is of a critical nature.
  • 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, or 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 administers compliance with this law concerning this creditor is the
    Consumer financial Protection Bureau, 1700 G St. NW, Washington, DC 20552.
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  • HOMEOWNERSHIP APPLICATION CHECKLIST

  • We are here to help. All information you provide us with is considered confidential and is used only for determining eligibility for our services. If you need assistance completing the application or if you have any questions, please call us.

    The following documentation is needed to complete your application:

    2 Month pay stubs for all adults.

    2 Most recent Federal Tax Return for all adults. (2 years if self-employed).

    2 Most recent Federal Tax Return for all adults. (2 years if self-employed).

    Friend of the Court Determination for child support income or payments. (if applicable).

    Benefit Statement Letter from the State of Michigan of SSI/SSD. (if applicable)

    Last month's debt statements: Credit cards and Loans (car/medical/boat, etc/)

  • For assistance with this application, please call our Homeownership Program Coordinator at (989) 340-0819.

  • Homeownership Program

  • Program Qualifications

  • Habitat for Humanity Northeast Michigan (HFHNEMI) Homeownership Program is made up of 2 divisions:

    Homeownership and Financial Counseling through Habitat Michigan. Each division is a self-help program where Habitat for Humanity of Michigan provides you with counseling and the tools necessary to become better prepared for homeownership. All applicants will be sent to the financial counseling program through Habitat for Humanity of Michigan which is designed to address and clear those issues that prevent you from homeownership.

    Sweat Equity – It is our goal that you contribute 250 hours per adult of volunteer work, called sweat equity, with at least 65 hours being on the construction site.

    Education – You will be required to participate in a series of online workshops hosted by Habitat for Humanity. Topics covered include, but are not limited to home maintenance, personal finance, and budgeting. Certificates will be needed once you complete the workshop.

    Savings – You may be required to save and contribute at least $1,000 towards the purchase of a house, should you complete the program.

    Below are the current guidelines for stable gross annual income (before taxes). If you are not sure if your income meets these guidelines, we strongly encourage you to submit your application for us to review and decide:
  • Income Guidelines - AMI 30%-120%
    Family Size Lower Limit Higher Limit
    One $17,600 $70,320
    Two $20,100 $80,280
    Three $22,600 $90,360
    Four $25,100 $100,320
    Five $27,150 $108,360
    Six $29,150 $116,400
    Seven $31,150 $124,440
    Eight $33,150 $132,480
  • *Gross means before deductions
    R5/2026

  • Application and Intake

  • Please fill out the HFHNEMI Homeownership Program Application and Habitat for Humanity of Michigan
    Homeownership Services Intake Packet as completely and accurately as possible.
  • All information you include on these applications will be kept confidential per the Gramm-Leach-Bliley Act, Fair
    Housing Act. It's Your Right!
  • Have questions about the details of the program? Visit www.habitatnemi.org or contact the Homeownership Program
    Coordinator at (989) 340-0819 or email at jennifer.nestell@habitatnemi.org.

  • Financial Counseling through Habitat Michigan

  • Habitat for Humanity of Michigan (HFHM) is a US Department of Housing and Urban Development (HUD) approved
    housing counseling agency. HFHM employs certified housing counselors and financial coaches who educate, counsel,
    and coach Michigan consumers that want to improve their financial and/or housing situation. HFHM staff members also
    walk along with people as they remove barriers and pursue their home ownership goals.
  • All Michigan residents are welcome to engage in the financial and housing education programs we offer.
  • These programs and services include:
    • Financial Management and Budget Individual Counseling and Group Education
    • Pre-Purchase Home Buyer Group Education and Individual Counseling
    • Post-Purchase Services - Home Improvement, Foreclosure Avoidance, Non-Delinquent Services
    • Fair Housing Services and Predatory Lending Avoidance - Rental housing & homelessness services, referrals,
      and information
    • Connections with local lenders and Habitat for Humanity offices
  • 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.
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  • Dear Applicant: Please complete this application for the Habitat for Humanity Northeast Michigan Homeownership Program truthfully, completely
    and accurately. All information you include on this application will be kept confidential in accordance with our privacy policy.

  • Applicant

  • Format: (000) 000-0000.
  • Format: (000) 000-0000.
  • Married Separated Unmarried (single, divorced, widowed, civil union, domestic partnership, registered reciprocal beneficiary relationship) (Fill out Section 14)
  • Rows

  • 1. APPLICANT INFORMATION

  • Date of Birth (mm/dd/yyyy)
     - -
  • If you have lived at your present address for less than two years, complete the following:
  • For assistance with completing this application, please contact Homeownership Coordinator at (989) 340-0819

  • Co-applicant

  • Format: (000) 000-0000.
  • Format: (000) 000-0000.
  • Date of Birth (mm/dd/yyyy)
     - -
  • Married Separated Unmarried (single, divorced, widowed, civil union, domestic partnership, registered reciprocal beneficiary relationship) (Fill out Section 14)
  • Rows

  • FOR OFFICE USE ONLY - DO NOT WRITE IN THIS SPACE

  • 1B. MILITARY SERVICE

  • Did you (or your deceased spouse) serve, or are you currently serving, in the United States Armed Forces? (Army, Marine Corps, Navy, Air Force, Space Force, Coast Guard, Reserve or National Guard)
  • Currently serving on active duty with projected expiration date of service/tour
  • Is anyone else in your household serving, or did they serve, in the United States Armed Forces?

  • 2. WILLINGNESS TO PARTNER

  • To be considered for the Habitat Homeownership Program, you and your household members must be willing to complete a certain number of "sweat equity" hours, which may include hours spent helping to build your home and the homes of others, attending homeownership classes, and/or other approved activities.
  • Applicant:
  • Co-applicant:

  • 3. PRESENT HOUSING CONDITIONS

  • Currently, are you:
  • Number of bedrooms (please circle)
  • Number of Bathrooms (please circle)
  • Other rooms in the place where you are currently living:
  • If you rent your current residence, please supply a copy of your lease and a copy of the most recent money order receipt, bank statement or cancelled rent check to evidence rent payment

  • 4. PROPERTY INFORMATION

  • Do you own land other than your residence?
  • If you wish your property to be considered for building your Habitat home, please attach the deed, any existing appraisal and information about any liens. Note: A separate approval process will apply with respect to any such requests, as each parcel of land is unique and may not be suitable for building on through the Habitat program.

  • 5. EMPLOYMENT INFORMATION

  • Applicant
  • Start date: (mm/dd/yyyy)
     - -
  • Format: (000) 000-0000.
  • Start date: (mm/dd/yyyy)
     - -
  • Format: (000) 000-0000.
  • If working at current job less than one year, complete the following information
  • Format: (000) 000-0000.
  • Format: (000) 000-0000.
  • Rows
  • Rows

  • 7. SOURCE OF DOWN PAYMENT AND CLOSING COSTS

  • Rows
  • Rows
  • Rows
  • Entertainment
  • Other
  • Other
  • Total

  • 10. DECLARATIONS

  • Please check the box beside the word that best answers the following questions for you and the co-applicant.
  • a. Are there any outstanding judgements because of a court decision against you?
  • b. Have you declared bankruptcy within the past seven years?
  • If YES, identify the type(s) of bankruptcy:
  • c. Have you had property foreclosed on or deed in lieu of foreclosure in the past seven years?
  • d. Are you a party to a lawsuit in which you potentially have any personal financial liability?
  • e. Have you conveyed title to any property in lieu of foreclosure or completed a pre-foreclosure sale or short sale (where the lender agreed to accept less than the outstanding mortgage balance due) within the past seven years?
  • f. Are you currently delinquent or in default on any federal debt or any other loan, mortgage, financial obligation or loan guarantee?
  • g. Are you a co-signer or guarantor on any debt or loan that is not disclosed on this application?
  • h. Are you a U.S. citizen or permanent resident?
  • If you answered "yes" to any Question a. through g., or "no" to question h, please explain on a separate piece of paper.

  • 11. AUTHORIZATION, AGREEMENT AND RELEASE - PLEASE READ CAREFULLY

  • I understand that by filing this application, I am authorizing Habitat for Humanity to evaluate my actual need for the Habitat homeownership program, my ability to repay an affordable loan and other expenses of homeownership, and my willingness to be a partner through sweat equity and otherwise according to Habitat for Humanity policy.
  • I understand that the evaluation will include personal visits, a credit check and employment verification (if applicable). I have answered all the questions on this application truthfully and accurately, and if any of the information provided changes after I submit this application, I will supplement this application, as applicable. I understand that if I have not answered the questions truthfully, accurately or completely, or fail to supplement this application as necessary to maintain its accuracy and completeness, my application may be denied, and that even if I have already been selected to receive a Habitat home, I may be disqualified from the program and forfeit any rights or claims to a Habitat home. The original or a copy of this application will be retained by Habitat for Humanity even if the application is not approved.
  • If this application is created as (or converted into) an "electronic application," I consent to the use of "electronic records" and "electronic signatures" as the terms are defined in and governed by applicable federal and/or state electronic transaction laws. I intend to sign and have signed this application either using my: (a) electronic signature or (b) a written signature and agree that if a paper version of this application is converted into an electronic application, the application will be an electronic record, and the representation of my written signature on this application will be my binding electronic signature.
  • I also understand that Habitat for Humanity screens all applicants on the sex offender registry. By completing this application, I am submitting myself to such an inquiry. I further understand that by completing this application, I am submitting myself to a criminal background check.
  • Date
     - -
  • Date
     - -
  • PLEASE NOTE: If more space is needed to complete any part of this application, please use a separate sheet of paper and attach it to this application. Please mark your additional comments with "A" for applicant or "C" for co-applicant.

  • 12. RIGHT TO RECEIVE COPY OF APPRAISAL

  • This is to notify you that if you qualify for the homeownership program and complete the program requirements, we may order an appraisal to determine the value of a home that you may be eligible to purchase, and we may charge you for this appraisal. Upon completion of the appraisal, we will promptly provide a copy to you, even if the loan does not close.

  • 13. 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. If you do not wish to provide some or all of this information, please check below.

  • Applicant

  • Race (applicant may select more than one racial designation):
  • Ethnicity:
  • Sex:
  • Birthdate:
     - -
  • Marital Status:

  • Co-applicant

  • Race (applicant may select more than one racial designation):
  • Ethnicity:
  • Sex:
  • Birthdate:
     - -
  • Marital Status:

  • To be completed only by the person conducting the interview

  • Was the ethnicity of the Borrower collected on the basis of visual observation or surname?
  • Was the sex of the Borrower collected on the basis of visual observation or surname?
  • Was the race of the Borrower collected on the basis of visual observation or surname?
  • Format: (000) 000-0000.
  • This application was taken by:
  • Date
     - -

  • 14. UNMARRIED ADDENDUM

  • FOR BORROWER SELECTING THE UNMARRIED STATUS

  • Lender instructions for using the Unmarried Addendum: The lender may use the Unmarried Addendum only when a borrower selected "Unmarried" in Section 1 and the information collected is necessary to determine how state property laws directly or indirectly affecting creditworthiness apply, including ensuring clear title. For example, the lender may use the Unmarried Addendum when the borrower resides in a state that recognizes civil unions, domestic partnerships or registered reciprocal beneficiary relationships or when the property is located in such a state. "State" means any state, the District of Columbia, the Commonwealth of Puerto Rico, or any territory or possession of the United States.
  • Is there a person who is not your legal spouse but who currently has real property rights similar to those of a legal spouse?
  • If YES, indicate the type of relationship and the state in which the relationship was formed. For example, indicate if you are in a civil union, domestic partnership, registered reciprocal beneficiary relationship, or other relationship recognized by the state in which you currently reside or where the property is located.

  • Equal Credit Opportunity Act 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 or 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, Suite 200, Cleveland, Ohio 44114-2507 or Federal Trade Commission, 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 will be considered incomplete, and we will be unable to invite you to participate in the Habitat program.
  • Should be Empty: