Apply for a Home

LaPorte County Habitat Home Ownership

Welcome!

In 2021 we plan to build in the City of LaPorte.  Applications open November 1st and close December 1st 2020.

Home ownership is a long-term financial commitment offering security and stability to families who are financially responsible. Habitat for Humanity offers approved applicants 0% financing on a home mortgage of up to 30 years.

Home buyers enter into a legal contract with LaPorte County Habitat for Humanity to faithfully repay their mortgage. Monthly payments (including property taxes and insurance) average between $450 and $550, depending on the size/value of the home.

Partnership with Habitat. Each homeowner family invests hundreds of hours of their own labor, called “sweat equity,” into the building of their house and the houses of others. Read more about Partnering with Habitat here.

Applications are confidential and handled by an independent Habitat Family Services committee.

Financial basics

Your Income

  • Habitat for Humanity offers approved applicants 0% financing on on a 20-year home mortgage. For this you will need to prove a steady source of income for the year prior to application . Monthly payments (including property taxes and insurance) average between $450 and $550 .
  • Yearly income falls within the minimum and maximum limits. Click here for Income Guidelines.
  • You will need to show good credit with few debts.
  • Partner family must bring $2,000 to closing.  This includes $800 down payment, first year’s insurance, initial escrow payment, and closing costs.
  • Property tax rates and insurance premiums will vary for each home and homeowner.

Alongside your application, send the following supporting documents*:

  • PAY SLIPS – Monthly pay slips for the year prior to application.
  • CREDIT REPORT – A full credit report. www.annualcreditreport.com is free and recognized by the 3 major consumer credit companies. Click here for our Guide to Credit Bureaus
  • DEBT – Have a list of any debt owned. Allow two years to have passed since any bankruptcy was discharged.
  • CLOSING COSTS – $2,000 required. This includes $800 down payment, first year’s insurance, initial escrow payment and closing costs. (Property tax rates and insurance premiums will vary for each home and homeowner).
  • PROOF OF RESIDENCY – Show that you have lived or worked in LaPorte County for 1 year prior to the application. Applicants must hold documented proof of legal U.S. Residency.
  • BANK STATEMENTS – 3 months’ worth – to show your monthly expenses.
  • RENT PAYMENTS – Proof of current property payments. Confirm you do not currently have a mortgage.
  • NEED – Demonstrate a need for housing because your current housing is not adequate (meaning it is unsafe, not maintained, overcrowded, temporary, and/or unaffordable).

*WITHOUT THE ABOVE DOCUMENTS WE WILL NOT BE ABLE TO SUBMIT YOUR APPLICATION.

Habitat Homeownership – The Straight Read

Tempted to rush your application? Download the complete Habitat Straight Read homeownership pages here in a readable pdf format and study the process.

Applications for 2021 open Nov 1st – Dec 1st 2020. Please note: we cannot accept applications submitted outside of this designated period. A Habitat home can take up to a year or more to build. Note: The Coronavirus pandemic may affect our build schedule.

Click here to download the Homeowner Application Summary

Be sure to include your phone and email address at the end of the form.

Mail your application to:

Sophia Coleman, LaPorte County Habitat, PO Box 8874, Michigan City IN 46361-8874.

For any questions about our home ownership program or be mailed an application form call Sophia or Amanda on 219-814-4985.

All applicants will be considered without regard to race, color, national origin, ethnic or religious background, age, gender, marital status, sexual orientation, height, weight or disability.

Applications are confidential and handled by an independent Habitat Family Services committee.