Pre-Qualification Paperwork Now Being Accepted

​Click Here for Paperwork


People in our community and all over the world partner with Habitat for Humanity to build or improve a place they can call home.

Habitat homebuyers help build their own homes alongside volunteers and pay an affordable mortgage.

How do I qualify?

Families in need of decent, affordable housing apply for homeownership with their local Habitat for Humanity. 

Each local Habitat for Humanity's Homeowner Selection Committee selects homeowners based on three criteria:

1. The applicant's level of need.

2. Their willingness to partner with Habitat.

3. Their ability to repay a mortgage through an affordable payment plan.


As part of their willingness to partner, Habitat's homebuyers invest hundreds of hours of their own labor, called sweat equity,

working alongside volunteers and other Habitat homeowners.


Habitat for Humanity follows a nondiscriminatory policy of family selection.

Neither race nor religion is a factor in choosing Habitat Homebuyers.



Minimum Eligibility Requirements:


Habitat Homebuyers must be active participants in building a better home and future for themselves and their families. Every Habitat home is an investment. For us, it is one answer to a critical need, and we believe that stronger homes will create stronger communities.


Prospective Habitat homebuyers must demonstrate a need for safe, affordable housing. Once selected, Habitat homeowners must partner with us throughout the process. This partnership includes performing sweat equity, or helping to build their own home or the homes of others in our homeownership program. ​



  • Gross income of all household members, ages 18 and over, is between 30 - 60% of Steele County median income. View income limits
  • Applicants must be US citizens or Permanent Residents
  • Applicants must live or work in Steele or Waseca County
  • Applicants can demonstrate a need for safe, decent and affordable housing
  • Applicants can demonstrate an ability to pay a monthly mortgage (including escrow for property taxes and homeowner insurance) as well as other household expenses without becoming cost burdened
  • Applicants agree to provide sweat equity hours in the construction of their home and participate in public relations appearances and related activities to promote the mission of Habitat for Humanity of Steele-Waseca Area
  • Applicants and household members, ages 18 and over, agree to submit to criminal background and sex offender registry studies

                                                           

The Process: Pre-Qualification:  All interested individuals are required to complete and submit the pre-qualification form and supporting documentation. This material will be reviewed by agency staff and the Homeowner Selection Committee.  If you meet the pre-qualification criteria, you will be invited to submit a complete application. To fill out pre-qualification paperwork click hereor call 507.446.0112 for more information.

Application:  The full application will be sent to invited pre-qualified individuals.  This stage of the process will ask for more detailed information regarding your financial status (income and debt), monthly expenses,  and much more.  You will be asked to sign consent forms to order to verify submitted information.
Your complete application will be reviewed by agency staff and the Homeowner Selection Committee.  Following an assessment, applications will be ranked based on criteria established by this agency.  Those applicants showing the greatest need will be invited to continue in the process.

Home Visit:  A home visit will be conducted by agency staff and members of the Homeowner Selection Committee.  This visit is to review your current housing situation, discuss your need for Habitat homeownership and review all the documentation provided through the application process.  We will also discuss the expectations of your willingness to partner, including sweat equity requirements.

Final Decision:  The Homeowner Selection Committee will review all the information gathered.  A recommendation will be forwarded to the Board of Directors for final approval of partnership for our home build.  Once chosen, the applicant will be notified and asked to complete a Homeowner Partnership Agreement outlining the partnership between the homebuyer and Habitat for Humanity of Steele-Waseca Area.


House building begins!

 
If you are not chosen for this house build, you may apply again when the application process opens.

 As circumstances may change, each application period requires a new application.
If you have additional questions about Habitat and the homeowner partnership program, attend one of the information sessions above,

call our office at  507-446-0112 or email

Habitat Homeownership