HomeOwnership

Our homes are sold to individuals and families who have a need for safe, decent and affordable housing. Since 1997, we have built more than 90 homes in St. Charles County.

Process to becoming a homeowner

Applicants must meet our income guidelines, have reasonable credit histories, a manageable level of debt and be willing and able to perform up to 300-450 hours of “sweat equity” to build their own homes. The entire process including the selection process, building of the home and sweat equity can take about a year.

Our selection process for interested applicants includes a review of financial status, job history, and other qualifications.

We anticipate accepting new homeownership applications February 2025. Stay tuned for more information or contact Shana Eubanks, our Homeowner Support Manager at shana@habitatstcharles.org.

Here's How You Can Help:

What to expect

Requirements while applying for a home

Our Applications

Family Stories

Homebuyer Readiness Program

INTERESTED IN HOMEOWNERSHIP?

Habitat Homeownership Program Application - English

Dear Applicant: Please complete this application for the Habitat for Humanity homeownership program truthfully, completely and accurately. All information you include on this application will be maintained in accordance with our privacy policy.

Step 1 of 9

5. EMPLOYMENT INFORMATION
APPLICANT
- Does not apply.
Name and address of CURRENT employer:*
Date*
MM slash DD slash YYYY
Annual (gross) wages:*
Please enter the information in dollar amounts ($)
Type of business:*
Business phone
If working at current job less than one year, complete the following information.
Name and address of PREVIOUS employer:
Years on this job:*
Annual (gross) wages:*
Please enter the information in dollar amounts ($)
Type of business:*
Business phone
- Check if you are the business owner or are self-employed.
- I have an ownership share of less than 25%.
- I have an ownership share of 25% or more.
Monthly income (or loss):*
Please enter the information in dollar amounts ($)
PLEASE NOTE: Self-employed applicants will be required to provide additional documents such as tax returns and financial statements.
CO-APPLICANT
- Does not apply.
Name and address of CURRENT employer:
Date
MM slash DD slash YYYY
Annual (gross) wages:
Please enter the information in dollar amounts ($)
Type of business:
Business phone:
If working at current job less than one year, complete the following information.
Name and address of PREVIOUS employer:
Years on this job:
Annual (gross) wages:
Please enter the information in dollar amounts ($)
Type of business:
Business phone:
- Check if you are the business owner or are self-employed.
- I have an ownership share of less than 25%.
- I have an ownership share of 25% or more.
Monthly income (or loss):
Please enter the information in dollar amounts ($)
PLEASE NOTE: Self-employed applicants will be required to provide additional documents such as tax returns and financial statements.
6. MONTHLY INCOME
INCOME SOURCE can be found to your left. If you need to add more boxes to each section, simply click the '+' button at the end of each section box. Please, follow this format when entering your monthly income information BELOW. If you DO NOT have an income source, please enter 0.
Salary/wages (gross)*
Applicant Co-applicant Others in household Total
TANF*
Applicant Co-applicant Others in household Total
Alimony*
Applicant Co-applicant Others in household Total
Child support*
Applicant Co-applicant Others in household Total
Social Security*
Applicant Co-applicant Others in household Total
SSI*
Applicant Co-applicant Others in household Total
Disability*
Applicant Co-applicant Others in household Total
Housing voucher (e.g., Section 8)*
Applicant Co-applicant Others in household Total
Unemployment benefits*
Applicant Co-applicant Others in household Total
VA compensation*
Applicant Co-applicant Others in household Total
Retirement (e.g., pension)*
Applicant Co-applicant Others in household Total
Military entitlements*
Applicant Co-applicant Others in household Total
Other:*
Applicant Co-applicant Others in household Total
TOTAL*
Applicant Co-applicant Others in household Total
HOUSEHOLD MEMBERS WHOSE INCOME IS LISTED ABOVE*
Name Income source Monthly income Date of birth

If you need to add more box fields, simply click the '+" button at the end of the white box. If you DO NOT have any household members to provide, please enter 0.

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7. SOURCE OF DOWN PAYMENT AND CLOSING COSTS
Where will you get the money to make the down payment or pay for closing costs (for example, savings or gifts from family member or others; any grants for which you have or intend to apply? If you borrow the money, whom will you borrow it from, and how will you pay it back?
8. ASSETS

Type of asset and name of bank, savings and loan, credit union, retirement account, etc. (Do not include land here.)	Address	City, state	ZIP	Account number	Current balance/value/vested amount (if applicable)

If you need to add more box fields, simply click the '+" button at the end of the white box.

9. LIABILITIES AND EXPENSES
To whom do you owe money?
APPLICANT
Auto loan
Monthly payment Unpaid balance Months left to pay

If you need to add more box fields, simply click the '+" button at the end of the white box.
Installment (e.g., boat, personal loan)
Monthly payment Unpaid balance Months left to pay

If you need to add more box fields, simply click the '+" button at the end of the white box.
Lease (e.g., furniture, appliances - includes rent-to-own)
Monthly payment Unpaid balance Months left to pay

If you need to add more box fields, simply click the '+" button at the end of the white box.
Alimony/separate maintenance
Monthly payment Unpaid balance Months left to pay

If you need to add more box fields, simply click the '+" button at the end of the white box.
Child support
Monthly payment Unpaid balance Months left to pay

If you need to add more box fields, simply click the '+" button at the end of the white box.
Revolving (e.g., credit cards)
Monthly payment Unpaid balance Months left to pay

If you need to add more box fields, simply click the '+" button at the end of the white box.
Student loan debt
Monthly payment Unpaid balance Months left to pay

If you need to add more box fields, simply click the '+" button at the end of the white box.
Open 30 days (balance paid monthly, e.g., travel card)
Monthly payment Unpaid balance Months left to pay

If you need to add more box fields, simply click the '+" button at the end of the white box.
Medical debt
Monthly payment Unpaid balance Months left to pay

If you need to add more box fields, simply click the '+" button at the end of the white box.
Other
Monthly payment Unpaid balance Months left to pay

If you need to add more box fields, simply click the '+" button at the end of the white box.
CO-APPLICANT
Auto loan
Monthly payment Unpaid balance Months left to pay

If you need to add more box fields, simply click the '+" button at the end of the white box.
Installment (e.g., boat, personal loan)
Monthly payment Unpaid balance Months left to pay

If you need to add more box fields, simply click the '+" button at the end of the white box.
Lease (e.g., furniture, appliances - includes rent-to-own)
Monthly payment Unpaid balance Months left to pay

If you need to add more box fields, simply click the '+" button at the end of the white box.
Alimony/separate maintenance
Monthly payment Unpaid balance Months left to pay

If you need to add more box fields, simply click the '+" button at the end of the white box.
Child support
Monthly payment Unpaid balance Months left to pay

If you need to add more box fields, simply click the '+" button at the end of the white box.
Revolving (e.g., credit cards)
Monthly payment Unpaid balance Months left to pay

If you need to add more box fields, simply click the '+" button at the end of the white box.
Student loan debt
Monthly payment Unpaid balance Months left to pay

If you need to add more box fields, simply click the '+" button at the end of the white box.
Open 30 days (balance paid monthly, e.g., travel card)
Monthly payment Unpaid balance Months left to pay

If you need to add more box fields, simply click the '+" button at the end of the white box.
Medical debt
Monthly payment Unpaid balance Months left to pay

If you need to add more box fields, simply click the '+" button at the end of the white box.
Other
Monthly payment Unpaid balance Months left to pay

If you need to add more box fields, simply click the '+" button at the end of the white box.
MONTHLY EXPENSES
Rent
Applicant Co-applicant Total
Utilities (electricity, water, gas)
Applicant Co-applicant Total
Insurance (rental, car, health, etc.)
Applicant Co-applicant Total
Child care
Applicant Co-applicant Total
Internet service
Applicant Co-applicant Total
Cell phone
Applicant Co-applicant Total
Land line
Applicant Co-applicant Total
Business expenses
Applicant Co-applicant Total
Union dues
Applicant Co-applicant Total
Transportation expense (gas, bus, vehicle upkeep, etc.)
Applicant Co-applicant Total
Food and essential supplies
Applicant Co-applicant Total
Entertainment
Applicant Co-applicant Total
Other
Applicant Co-applicant Total

Save and Continue Later

Equal Credit Opportunity Act (ECOA) Notice
The attached ECOA notice should be provided to all applicants with the application for the Habitat homeownership program in order to communicate the right to require certain income information from applicants for the Habitat program.
Purpose and background:
Because Habitat for Humanity homeownership and loan programs qualify as Special Purpose Credit Programs under the Equal Credit Opportunity Act, Habitat can request and consider certain information about income that other lenders may not be allowed to request and consider in connection with their loan programs without providing certain disclosures and options for the applicant to decline to provide that information
Although federal law allows Special Purpose Credit Programs to request and consider this information to determine eligibility for their programs, the law does not explicitly provide an exemption from the disclosure.
Accordingly, in order to avoid any confusion by Habitat applicants about their rights and obligations to provide this information, we recommend that Habitat affiliates provide the customary disclosure together with the explanation for Habitat's right to consider that information in evaluating applications for the Habitat program. Please see attached sample ECOA notice.
Affiliate instructions:
The Habitat affiliate needs to fill in the address for the FTC regional office for the region in which the affiliate is located. To find the appropriate regional office for the FTC, please check the FTC website: ftc.gov/about-ftc/bureaus-offices/regional-offices.
Provide two copies of the ECOA notice to the applicant with the application.
Each applicant and co-applicant, if any, should sign and date the ECOA notice to acknowledge receipt, and return the signed copy to Habitat with the written application.

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Equal Credit Opportunity Act Notice
The Federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status or age (provided the applicant has the capacity to enter into a biding contract); because all or part of the applicant's income derives from any public assistance program; or because the applicant has in good faith exercised any right under the Consumer Credit Protection Act. The federal agency that monitors compliance with this law concerning this company is the Federal Trade Commission, with offices at [FTC Regional Office for the _________________________________________________ region, ___________________________________________ - insert address for region in which the affiliate operates (see instructions for link.)] or Federal Trade Commission, Equal Credit Opportunity, Washington, DC 20580.
You need not disclose income from alimony, child support or separate maintenance payment if you choose not to do so. However, because we operate a Special Purpose Credit Program, we may request and require, in order to determine an applicant's eligibility for the program and the affordable mortgage amount, information regarding the applicant's marital status; alimony, child support and separate maintenance income; and the spouse's financial resources.
Accordingly, if you receive income from these sources and do not provide this information with your application, your application will be considered incomplete, and we will be unable to invite you to participate in the Habitat program.
[HABITAT: CONFIRM ALL APPLICANTS ARE REQUIRED BY YOUR POLICY TO PROVIDE THIS INFORMATION AND THEN DELETE THIS PARENTHETICAL.]
Consent (applicant)*
I agree to the EQUAL CREDIT OPPORTUNITY ACT NOTICE.
By checking this box, you fully understand and agree to the information disclosed above. This would be your binding electronic signature.
Printed full name*

Binding electronic signature.
Date*
MM slash DD slash YYYY
Consent (applicant)
I agree to the EQUAL CREDIT OPPORTUNITY ACT NOTICE.
By checking this box, you fully understand and agree to the information disclosed above. This would be your binding electronic signature.
Printed full name

Binding electronic signature.
Date
MM slash DD slash YYYY

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Applicant	Co-applicant	Others in household	Total

Applicant	Co-applicant	Others in household	Total

Applicant	Co-applicant	Others in household	Total

Applicant	Co-applicant	Others in household	Total

HomeOwnership

HomeOwnership

Process to becoming a homeowner

Here's How You Can Help:

What to expect

Requirements while applying for a home

Our Applications

Family Stories

Homebuyer Readiness Program

INTERESTED IN HOMEOWNERSHIP?

Habitat Homeownership Program Application - English

Step 1 of 9

1A. APPLICANT INFORMATION

If you have lived at your present address for less than two years, complete the following, for all addresses during the past two years:

CO-APPLICANT

If you have lived at your present address for less than two years, complete the following, for all addresses during the past two years:

1B. MILITARY SERVICE

2. WILLINGNESS TO PARTNER

3. PRESENT HOUSING CONDITIONS

If you rent your current residence, please supply a copy of your lease and a copy of the most recent money order receipt, bank statement or canceled rent check to evidence rent payment.

4. PROPERTY INFORMATION

5. EMPLOYMENT INFORMATION

If working at current job less than one year, complete the following information.

PLEASE NOTE: Self-employed applicants will be required to provide additional documents such as tax returns and financial statements.

If working at current job less than one year, complete the following information.

PLEASE NOTE: Self-employed applicants will be required to provide additional documents such as tax returns and financial statements.

6. MONTHLY INCOME

7. SOURCE OF DOWN PAYMENT AND CLOSING COSTS

8. ASSETS

9. LIABILITIES AND EXPENSES

APPLICANT

CO-APPLICANT

MONTHLY EXPENSES

10. DECLARATIONS

APPLICANT

11. AUTHORIZATION, AGREEMENT AND RELEASE

PLEASE NOTE: If more space is needed to complete any part of this application, please use the box below and mark your additional comments with "A" for applicant or "C" for co-applicant.

12. RIGHT TO RECEIVE COPY OF APPRAISAL

13. DEMOGRAPHIC INFORMATION

PLEASE READ THIS STATEMENT BEFORE COMPLETING THE BOX BELOW:

APPLICANT

CO-APPLICANT

14. UNMARRIED ADDENDUM

Lender instructions for using the Unmarried Addendum:

Equal Credit Opportunity Act (ECOA) Notice

Purpose and background:

Affiliate instructions:

Equal Credit Opportunity Act Notice

[HABITAT: CONFIRM ALL APPLICANTS ARE REQUIRED BY YOUR POLICY TO PROVIDE THIS INFORMATION AND THEN DELETE THIS PARENTHETICAL.]