Go To  PARTNER FAMILIES

The Home Ownership Program is currently closed.

Applications will be available February 1st - March 31st, 2016.  

 

REQUIREMENTS FOR THE HOME OWNERSHIP PROGRAM: 

  • Have a need for shelter.
  • Have acceptable credit (No unpaid collections or judgments)
  • Bankruptcy must be discharged for 1 year
  • Have the ability to pay a monthly mortgage & have steady income for 1 year.
  • Be a 1st-time home buyer or non-homeowner for 3 or more years.
  • Live or work in Rutherford County for at least 6 months.
  • Be unable to qualify for a conventional loan due to income level.
  • Show willingness to partner with Habitat.
  • Be able to pay a $1500.00 down payment/closing cost.
  • Be willing to perform 300-400 hours of “sweat equity" by helping to build Habitat homes, including your own.
  • Complete a mandatory 30-Week Home Buyer Education Class.
  • Maintain and/or decrease “debt to income” ratio while in the Habitat program.
  • Meet the current years income guidelines. The following is 2015. These guidelines may change for 2016.                                                                                           2015 Guidelines                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                       Unfortunately, the Home Ownership Program is not emergency housing. It can take anywhere from 9-18 months to complete the program to purchase and move into your new home.

PHASES OF THE HOME OWNERSHIP PROGRAM

 Phase 1 - Apply

  • Meet the Requirements
  • Return Application
  • Credit Review

 Phase 2 - Documentation 

  • Submit Requested Documentation

Phase 3 - Verification 

  • Employment & Rental Verification
  • Sex Offender & Criminal Verification
  • Home Visit (if selected)
  • Family Selection Review
  • Board of Directors Review

Phase 4 - New Partner Family

  • Orientation
  • Work Sweat Equity
  • Home Buyer Education & Budget Class
  • Start Down Payments

Phase 5 - Home Selection

  • Lot Selection
  • Bio
  • House Plan Selection
  • Home Selections
  • Purchase Agreement
  • Begin Build Date

Phase 6 - H.O.M.E  Purchase

  • Homeowners Insurance
  • Home Dedication
  • Pre-Close
  • Closing Purchase
  • Move In!

Home Buyer Education 

Partner Families are required to complete 30 weeks of Home Buyer Education - great information and resources to prepare them to buy their homes, improve their credit, make good consumer choices and keep up with home maintenance. This program is also FREE to the general public! The Home Buyer Education Class is held every Monday, 6:00-7:00 pm at the Habitat office beginning April 6, 2015.  

If you have questions about the Home Ownership Program, please contact the Family Services Coordinator, Angie Ezell.  

 
 Our current Habitat Build #129 for Makeshia & her son Camden
 

                     Habitat Build #130 scheduled to begin Sept 2015                                     for Christina, her son Trevon & daughter Andrecia!

Christina

 

       _________________________________________________________________  

House #125! Congratulations to the Jordan Family! IMG_7392

House #126! Congratulations to the Martin Family!  Nikea 2

House #127! Congratulations to the McGowan Family!

House #128! Congratulations to the McCullough Family!

McCullough 2

 

We replace these eye sores...

House2 House1

...with beautiful Habitat Homes

Frances House  KuSay House
 Ms Teresa 1

Did You Know?

Many companies MATCH employee gifts! Find out how to DOUBLE your donation, click here. doubleimpactimage2 Visit Habitat ReStore Murfreesboro's profile on Pinterest. Instagram Shop at Kroger? Please add us so we get Kroger Community Rewards $$! Simply go to
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sign in with your Kroger Plus Card # (or sign up for the card). Add our organization number: 66757 - or Rutherford County Habitat for Humanity and whenever you shop, we'll get a % donation (it all adds up!) Thank you... and shop often!

Kroger_RCHFH1 Shop at Amazon's Amazon Smile and select Habitat for Humanity of Rutherford County (TN) and they'll donate .5% back to us! It's easy and all adds up!

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Make an online donation to The House That Jack Built
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KYO20140918132424_001In honor of Jack Goodrich, Co-founder, Fundraiser, former President and Board Member, Rutherford County Habitat for Humanity is launching our community giving campaign,

The House That Jack Built

Will you be one of 3,000 members of the local community to give $20.00 each in honor of Jack?
Recognizing the generosity of our community and valuing the impact of each individual gift, we know that together we can!

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