Richmond 010

Criteria For Selection

 

Applicants who have judgments or liens against them will not be eligible for the program until these debts have been paid and proof of satisfaction can be provided.

 

Bankruptcies must have been discharged for at least one year and applicants must wait at least two years from the completion of a foreclosure in order to be considered.

 

Applicants who are concerned about a negative credit history can order a free copy of their credit report at www.annualcreditreport.com or by calling 1-877-322-8228.

Holston Habitat for Humanity is a Special Purpose Credit Program that does not discriminate against applicants on the basis of race, color, religion, national origin, sex, marital status, familial status, age, disability; because all or part of the applicant's income derives from any public assistance program; or because the applicant has exercised in good faith any right under the Consumer Credit Protection Act. 

To be eligible for consideration, applicants must meet all background verifications and meet the following criteria:

Residency 

Applicants must be either a U.S. citizen or legal permanent resident and have lived or worked in the Tri-Cities area (Sullivan, Carter and Washington counties in Tennessee and the City of Bristol, Virginia) for at least the past 6 months. Under certain conditions, applicants from neighboring counties may be considered.

Need 

Applicants must demonstrate that their current housing is inadequate, unsafe, in poor condition or unaffordable. Examples may include structural or mechanical defects in the home, overcrowded conditions,  high housing costs, unsafe environments or being unable to meet the requirements of conventional loan programs.

Willingness to Partner 

Approved applicants must participate in Homeowner Education classes which are held twice per month for a period of five months. In addition to the time spent in class, approved applicants are expected to volunteer sweat equity hours on construction sites, at the ReStore, at the Holston Habitat office and through other Habitat activities.

Ability to Pay 

Holston Habitat requires steady income history with verification of current employment and other income sources. Click here to view the income guideline chart. While Holston Habitat for Humanity does not have a credit score requirement, we do consider recent history of payments on rent, loans and other expenses.

 

Getting Started

Explore the Holston Habitat for Humanity website, and use the links and resources to find out more about the next steps toward Becoming a Homeowner.

Friends and Family

If you know an individual or family you think would benefit from the Habitat Program, please let them know they can get started online today!

Submit An Application

No matter your personal circumstances, the most important step a prospective homeowner can make is getting the Application Process started.

 

Holston Habitat for Humanity is a Special Purpose Credit Program that does not discriminate against applicants on the basis of race, color, religion, national origin, sex, marital status, familial status, age, disability; because all or part of the applicant's income derives from any public assistance program; or because the applicant has exercised in good faith any right under the Consumer Credit Protection Act.