Click Here to Download the Homeowner Application


Meeting the Family Selection Criteria enables you to submit an application to our program and in no way ensures your acceptance into our program.


  1. Ability to Pay – legal verifiable income that falls within income range (see chart below).
  2. Need – proof of living in some type of substandard housing (see housing need assessment form enclosed in the homeowner application).
  3. Willingness to Partner – each adult in the home must complete a minimum of 250 volunteer hours, and save a $1,000 down payment over the course of the homeowner program.
  4. We are now offering only “low interest” mortgages and a credit score of 600 or higher is now required to qualify for application. A credit score of 640 or higher will be required to close on a home. Not sure what your credit score is? Check it on Credit Karma for free!

For a full list of criteria, click on the Family Selection Criteria link.

Ability to Pay Guidelines:

If you meet ALL criteria, follow the link for our Homeowner Application, and return it to us as soon as possible with ALL necessary documentation.


Contact the main office for more information at 586-263-1540 x103.