Each applicant must meet the following requirements in order to receive a pre-screen application:
If you meet these guidelines, please call our office at 314-371-0400 to obtain a pre-screen application.
Once your pre-screen application is approved, you will be scheduled to attend a homeownership clinic. At this meeting you will obtain more detailed information about the homeownership program, future build sites, and house design, as well as expectations and requirements. Please note there are NO exceptions for missing this informational clinic. If you cannot attend, you will have to reschedule for the next session.
The application process has several areas of focus:
If you meet all of the above qualifications and have a successful home visit, you will receive an acceptance letter of preliminary approval.
Your application and documents will be reviewed by our underwriters for approval. You will need to submit the following documents (copies) with your Official Application:
In the event all documentation is not submitted as requested, your application will be automatically rejected and you will not be eligible to reapply for six months from the date your application was rejected.
Receiving preliminary approval does not guarantee you a home; there are additional steps that must be followed:
If you have any questions, please contact the Habitat for Humanity Saint Louis office at 314.371.0400 x37.
Q. I am self employed. How would I verify my income?
A. You must use your income tax return from the past two or three years as proof.
Q. I was once a St. Louis City/County resident, but I moved to another state. I returned to live in St. Louis City/County. How long do I have to live in the St. Louis area to qualify as a resident?
A. You must reside in St. Louis City/County for at least one full year after your return to St. Louis.
Q. What type of credit rating is acceptable for your program?
A. Credit history will be rated on a case-by-case basis. Active judgments, liens, garnishments, collection accounts, etc. are not acceptable.
Q. Once I am qualified for the program and notified of my qualification, how long do I have to complete my first 25 hours?
A. Your hours must be done in a timely manner, and at anytime you can be disqualified from the program.
Q. Do I have the choice of selecting where I would like to have my house built?
A. No, but you do have the right to decline the location and start over at the Pre-Screen Phase of the application.
|Family Size||Min. Income||Max Income|
Note: Use gross income to determine total family income. (Gross income is your income before taxes have been taken out.)