What are the requirements for partnering with Habitat for Humanity, to become a homeowner?

There are four criteria for qualifying:

• • Residency

    • Must have lived or worked in West Otter Tail County for at least one year.

  • Demonstrate a need

    • Does your current home have health, safety, or affordability issues?

    • Do you have fewer bedrooms than necessary for the size of your family?

  • Ability to pay

    • Are you free of any collections, delinquencies, or bankruptcies?

    • Are you unable to get a traditional loan to purchase a home?

    • Does your income fall within 40-80%* of the Otter Tail County median family income for your family size? See the chart below. (*Up to 80% by exception)

  • Willingness to partner

    • Are you willing to contribute 100 hours of “sweat equity” per adult in the household?

    • Are you willing to participate in education and training programs?