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Home Ownership

Midland County Habitat for Humanity provides decent, affordable homes for low-income families living in substandard housing conditions. Future homeowners  work alongside Habitat staff and volunteers to build their future home and in-turn purchase the home from MCHFH.  Homeowners are provided with an affordable mortgage. Homes are built using volunteer labor and some donated materials.

MCHFH earns no profit from the sale of the home. Because of this,  future homeowners will obtain long term, affordable mortgages. This is not a rental program. Habitat homeowners repay the cost of the house. This money is then used to build more houses in Midland County.  We require a $500 down payment and future homeowners will need to provide funds to pay for their first year of homeowner’s insurance. As an added benefit, we also use partners that will provide future homeowners with homeowner education and financial literacy classes to ensure they are prepared for the unique challenges of homeownership.

 

Benefits:

  • Affordable mortgages
  • Low monthly payments
  • Energy efficient homes with low utility bills
  • Attractive, well-constructed homes
  • Brand new Whirlpool Appliances
  • Stability
  • Higher educational performance and better behavior in children
  • Better household health
  • Individual responsibility as a homeowner
  • Accessible homes based on family’s needs
  • Sense of accomplishment by helping to build your own home

Selections are made in compliance with the Federal Credit Equal Opportunity Act and on an impartial and non-discriminatory basis. Midland County Habitat  for Humanity does not discriminate based on race, color, creed, religion, sex, national origin, age, familial status, ancestry, physical handicap, medical condition, veteran status, sexual orientation, AIDS, AIDS-Related Condition (ARC), mental disability or any other arbitrary basis. The family selection process is fair and unbiased.

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Qualifications

There are three basic criteria to qualify for a Habitat home:

You are currently living in substandard housing – this is defined as currently living in housing that is unsafe, unhealthy, overpriced, overcrowded or inadequate for some other reason. Partner Families have a demonstrated need for affordable housing.

 

Need is based by the applicants’ current housing. Questions we may ask about your current housing include:

  • Is the current housing substandard or unsafe, in need of excessive repairs?
  • Is the current housing overcrowded?
  • Is your current rent too high for your income?
  • Do you or a family member have accessibility issues at your current residence?

Habitat homes are NOT given away for free.  Each Habitat home is purchased by the future habitat homeowner through an affordable mortgage from Midland County Habitat for Humanity and are expected to make regular monthly mortgage payments. Mortgage payments also include taxes and insurance.

 

Willingness to partner - Families and individuals must be able to show they are willing to partner with Habitat by contributing sweat equity hours on the construction of their home and the homes of other families; willing to continue to partner with Habitat after their home is finished through on-time mortgage payments, volunteerism, and home upkeep. In addition, the homebuyers must also be willing to attend home buyer education classes and work with the Homeowner Services Manger to provide qualifying paperwork and information.

 

Additionally, applicants must be a legal U.S. Resident and a resident of Midland County for one year prior to application.

 

Household Size  Minimum Gross Income 30%  Maximum Gross Income 60%

 Maximum Gross Income 80%

One (1)

$16,950 $33,840 $45,100
Two (2) $19,350 $38,640

$51,550

Three (3)

$21,750 $43,500

$58,000

Four (4)

$24,150 $48,300

$64,400

Five (5)

$26,100 $52,200

$69,600

Six (6)

$28,050 $56,040

$74,750

Seven (7)

$29,950 $59,940

$79,900

 

These guidelines are derived from HUD’s 2019 housing income guidelines for Midland County median income and are subject to change.

Applicant creditworthiness

  • Applicant must have a manageable debt to income ratio
  • Applicant must be two years past discharge of bankruptcy or foreclosure
  • Applicant credit report must be free of any judgments or liens
  • Applicant must have twelve months (one year) of rental history
  • Proof of stable income and meet the guidelines of 30% - 80% of the area median income, depending on family size.

Are you willing to partner with Midland County Habitat for Humanity?

Future homeowners will be active participants in the construction or rehabilitation of their home. To qualify, your family must be willing to complete a minimum of 250 hours of “sweat equity”. This includes working on your home, the homes of other Habitat families and other approved types of community service.

Application Process

Currently applications are not being accepted. 

If you are interested in learning about homeownership with Midland County Habitat for Humanity contact the Homeowner Services Manager, Katty Owens, at 989-496-0900 or katty@midlandhabitat.org

Homeownership Inquiry

Looking to learn more about the homeownership process with Midland County Habitat for Humanity, complete this form to be contacted with information.