Do you qualify for a home through Habitat for Humanity in Okaloosa County?
We're here to help you find out.
WE ARE NOT ACCEPTING APPLICATIONS AT THIS TIME
OWNING A HOME IS ACHIEVABLE
Habitat for Humanity Okaloosa County makes homeownership possible and affordable for hard-working families who otherwise would find themselves trapped in deplorable conditions. They are able to gain the independence, security and financial stability that homeownership provides along with a sense of pride as they become a part of safe, thriving communities.
There are no categorical barriers to obtaining housing through Habitat, including race, color, religion, gender, handicap, familial status or national origin.
The first step towards qualifying for a home is to meet the basic pre-qualifications and submit the required information to the Habitat office.
The basic criteria to qualify for a Habitat home starts by living or working in Okaloosa County for at least one (1) year.
APPLICANTS MUST DEMONSTRATE
NEED FOR HOUSING
Unhealthy or unsafe living conditions – landlord is not maintaining property
Living with friends or family because you cannot afford to live on your own
Receiving government assistance of Section 8 or live in public housing
Unable to afford rent increases any longer
WILLINGNESS TO PARTNER
Willingness to complete 300 hours of “sweat equity” per adult
Participate in homebuyer educational workshops
ABILITY TO PAY
Must have stable income for at least one (1) year in order to make an affordable mortgage payment
$500 application fee
$35 credit report
- Owe less than 40% of your monthly income on expenses
No bankruptcy in past three (3) years
Acceptable credit payment history
ANNUAL GROSS INCOME REQUIREMENTS
REQUIRED DOCUMENTS FOR APPLICATION
You must have a copy specific documents in order to apply. If you have a co-applicant, they must provide all of the same information about themselves. Originals cannot be accepted, you must provide us with copies that we can keep. Incomplete documentation will result in denial of application for lack of documentation. You may need to download Adobe Reader to view document.
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, national origin, or any other protected status.