Applicants will buy their homes from Habitat for Humanity. They must have the ability to a 30 year, 0% interest rate mortgage. The mortgage payment includes principal, property taxes and homeowner’s insurance. The requirements are: read more…Must have had steady income in the United States for at least 24 months. Must demonstrate ability to make regular payments for rent, utilities, etc. Must be a resident of Hamilton County for at least 12 months. Must be able to pay $100 down and make monthly payments totaling $2,600 for closing costs. Note: $1,300 in matching funds are available for a limited time. Cannot have been in bankruptcy in the past 24 months. Cannot have owned a home in the last 36 months. Cannot have $2,000 or more in collections or outstanding judgments on Credit Report that would prohibit ability to sign a mortgage. A credit check will be performed and evaluated.
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