Our Work

Habitat for Humanity serving Green Lake, Marquette and Waushara Counties' mission is to provide simple, decent and affordable housing. This mission is fulfilled through our programs, which help families become homeowners, help low-income homeowners complete home repair projects, help families improve their financial situations to qualify for Habitat homeownership, and help current Habitat homeowners through financial emergencies.

 
Habitat is not a giveaway program. Partner families pay Habitat through a no-profit, no-interest loan, an investment of “sweat equity” and participation in education related to budgeting and home maintenance.  The payments made by partner families are then re-invested into the program to serve more families in need of safe, decent, affordable housing.

 

Habitat for Humanity serving Green Lake, Marquette and Waushara Counties is an innovative leader in diverse housing solutions by empowering families and inspiring community-wide action to break the cycle of poverty. Habitat for Humanity is an equal housing opportunity organization.

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Habitat Homebuyer Program

How the Habitat Homebuyer Program Works: Habitat for Humanity offers a homebuyer program to qualified low-income individuals and families in the Green Lake, Marquette and Waushara Counties. Habitat extends a 0% interest mortgage loan. Monthly mortgage payments include repayment to Habitat for the home (principal), as well as for property taxes and home insurance (escrow).

 

Where to Start

 

Habitat Homebuyer Readiness Info Sessions - Coming Soon
Habitat will host a brief one-hour Homebuyer Readiness informational session. We will cover general information about Habitat’s housing ministry and how applicants qualify to purchase a home with Habitat. If you want to learn more about Habitat before you apply, please join us! Please feel free to contact Habitat if you have any questions.

Qualified applicants will need to meet the Selection Criteria and other requirements listed below:

 

Need

 

Applicant(s) must be in need of housing due to any of the following situations:

 

  • Structurally substandard, unsafe, or unhealthy living conditions

  • Temporary housing or over-crowded living conditions

  • Housing costs (rent + utilities) exceeds 30% of gross monthly household income

  • Housing is inaccessible

  • Reside in subsidized or transitional housing (section 8, Title 42, etc.)

 

Ability to Pay

 

Habitat will evaluate applicants’ household income and debt.

 

Income

 

Applicants must be comfortable with a monthly mortgage payment from $550 to $950 (depending upon income) and must have enough income through stable employment or other forms of permanent income to afford a home and all basic living expenses.

Income includes all wages, unemployment (only if related to seasonal employment), social security, pension and/or disability. Self employment income is defined as the “Net Profit” [line 31, Schedule C (1040)]. Income can also include child support, kinship care, and other types of income which is received on a regular basis and is needed to cover monthly expenses. All income sources are included when they are expected to last for three years or longer.

2020-2021 Income Guidelines are based on family size. Your gross annual income must be at or above the minimum and at or below the maximum.

2020-2021 Homeownership Income Guidelines 

Family Size                                  Minimum                                         Maximum

      1                                               $24,500                                           $36,300   

      2                                               $24,500                                           $41,520   

      3                                               $26,200                                           $46,680  

      4                                               $26,200                                           $51,840

      5                                               $28,020                                           $56,040

      6                                               $30,090                                           $60,180

      7                                               $32,160                                            $64,320    

      8                                               $34,230                                            $68,460

Debt

Applicants’ credit history does not need to be perfect. Many applicants have some debt. Is it important for applicants to know how much is owed and for the total amount of debt to be manageable.

  • All collection debt must have proof of active payment plans or be paid in full

  • Judgments for money must be satisfied. [Go to CCAP – Wisconsin Circuit Court Access at: 

  • Bankruptcy or foreclosure must have been satisfied for at least twelve months

  • It is recommended that applicants obtain a free copy of their credit report to ensure all credit is reported accurately                        [Go to www.annualcreditreport.com]

Willingness to Partner

Applicants must be willing to work in partnership with Habitat with their positive and active involvement in the Homebuyer Sweat Equity Program. Applicants must be willing to complete 300 to 500 hours of sweat equity by attending classes and workshops, working at the Habitat, participating in Habitat events, and building on other homes as well as their own.
*Accommodations for health and employment issues will be made on a case by case basis.

 

Additional Applicant Requirements

  • Divorce proceedings must have known finalization date

  • Applicant(s) must have entered the US legally and provide applicable documentation

  • Applicant must clear a criminal background check

  • It is important to determine who the homebuyers will be when there are multiple adults who are planning to live in the home permanently

  • Wisconsin is a marital property state and Habitat requires married couples to apply jointly

  • All adult (over 18) household members must sign a general release for a background check and other verification

  • Habitat is unable serve applicants if any household member is a registered sex offender

  • Any conviction(s) which are recent and/or severe in nature will be evaluated on a case by case basis

How to Apply

Individuals interested in home ownership through Habitat will need to complete and submit a pre-application document.

 

Pre-application steps to complete:

 

  • Obtain the pre-application

  • Submit the pre-application in by mail.

  • Check your public record for Judgments or Liens – You may have a court-ordered judgement and not even know it!  Judgments or liens need to be paid before Habitat can work with you. Go to CCAP - Wisconsin Circuit Court Access:https://wcca.wicourts.gov/index.xsl before applying.

 

 

 

 

 

 

*Every Adult (over 18 years) must sign a general release form. All married couples must sign a joint release form.

 

Not ready to apply? Contact Habitat for your options.

 

For email inquiries: Habitatglmw@yahoo.com

 

 

Call (920) 787-2888 for details on this program.