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Habitat's vision: a world where everyone has a decent place to live.


Applying for a Habitat home

We Are Currently Searching for the Next Partner Family for a Portales home on East Kaywood Street

Our Family Support Committee is diligently searching for a qualifying partner family for our next Portales home. Applicants need to meet threee main criteria in a nutshell:

1) Ability to Pay For the Home

Applicants need to be within the income guidelines for their family size, between 30% and 60% of the median income for their county.

2) Need for Better Housing - current situation needs to be inadequate, substandard or too expensive.

3) Willingness to Partner - 300 sweat equity hours for single parent family, 500 hours for a two parent family. $100 down payment upon acceptance, $500 for closing costs when the home is finished.

Our affiliate of Habitat for Humanity looks for qualified, low-income families who are in need of decent, affordable homes. Three distinct areas are considered when reviewing potential "partner families" as first time homeowners, and there are residency requirements.

If you are interested in being considered for a new home, you may either fill out the form below and click on the submit button, or download the .pdf file to print and fill out by hand. Once we receive your application we will contact you as soon as possible.
Who can get a home?
Partners for homes are selected from applicants by our Family Selection Committee.  Income and family size are some of the criteria used, but are not the only ones.  In general, acceptable applicants will be lower-income families that don't necessarily have established credit, but don't have BAD credit.
Is it free?
No. Some people have the misconception that Habitat gives away the homes that are built, but that is not true. The homes are SOLD to the family with a zero-interest mortgage, a way that makes the monthly payments affordable.
What will it cost?
The overall cost of the home is kept low by using donated materials, volunteer labor, donated land (when available), and by using a simple design. The sale to the family is financed with a 30-year no-interest loan based only on the cost of materials or land purchased to build the home.  In general, the monthly loan (plus escrow for property taxes and insurance) payments are about the same the family would have to pay for rent of a comparably sized home (probably not in as good a condition).  Loan qualification does not usually require established credit, but the family cannot be in a BAD credit situation. A down-payment of $100 is required at the time that the contract is signed, and closing costs of no more than $500 will be required at the closing of the loan for the home.

What else is required?
The family that applies for a Habitat home must provide additional documentation to supplement the application:

  • Employment Verification (paystubs or printout from employer)
  • Income Verification for the past six months (Work, Child Support, SSI, VA Benefits, and any other monthly income)
  • Utility bills for the past three months (Water, Gas, Electric, Garbage, Phone, Etc..)
  • Other monthly bills for the past three months (credit cards, car payments, child support, cell phone, medical, collection agency, etc.)
  • Bank Statements for the past six months ( Checking, Savings, etc)
  • IRS Tax Forms for the past three years with all signatures
  • W2 Forms for the past three years
  • Rent Verification for the past three years (rent receipts, letter from landlord, etc..)
What else would be required?
PARTNER FAMILIES will be required to volunteer 500 hours of “sweat-equity”; 50 hours will need to be completed before construction of the home begins. Sweat-equity hours can be obtained by volunteering in the office, volunteering at events that Habitat is involved in, working on someone’s house, working on your own home, along with many other volunteer opportunities. The Partner Family has up to two years to complete the 500 hours, but if the family works on their home every Saturday they will have no problem obtaining their hours. Partner Families are also required to take an 8 hour money management course, which counts toward the "sweat-equity" requirement. A home visit by the Family Selection Committee is also part of the selection process.
How do I apply?
For more information about the Application Process, please call our office at (575) 359-1344.
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