Our 2020 Homeownership selection process has been suspended TEMPORARILY. We will continue to monitor the situation with regards to the COVID-19  pandemic, and we will be back in touch with all of applicants by April 1st to update you on the process. We will hold all of your applications and suspend further review.  There is nothing you need to do at this time except take care of yourselves and families.

To our current Habitat Homeowners, if you wish to communicate with Habitat directly regarding your mortgage, please email homeownership@habitatstcharles.org or call (636) 978-5712 x 117 and leave a message. All messages will go to our homeownership email and will be heard promptly.

Thank you for your cooperation.

Before applying for a home, please read these initial requirements.

1. Have you lived OR worked in St. Charles County consistently for the past year?

2. Do you have a steady source of income?
If income is from employment, applicants must be employed with their current employer or in a similar industry for 6-9 months, or have another steady source of income. Non-employment income is counted if it is predicted to continue at least 3 years.

3. You must be able to pay an affordable mortgage and pass a credit review.
As part of the evaluation process, a credit check will be made on your past payment history. Obtain a FREE copy of your credit report at www.annualcreditreport.com. Unsatisfied judgements will disqualify you at the time of application.

4. Does your total gross household income from all sources and from ALL wage earners over the age of 18 living with you, fall at or below 80% of the Area Median Income (AMI) based on your family size.

Family Size                                                          80% of AMI

Family of 1 $45,550
Family of 2 $52,050
Family of 3 $58,550
Family of 4 $65,050
Family of 5 $70,300
Family of 6 $75,500
Family of 7 $80,700
Family of 8 $85,900

5. Have you ever filed for bankruptcy?
Filing for Bankruptcy does not disqualify you from the Habitat program, but we require that the bankruptcy be fully discharged by the court for a minimum of 2 years at the time of application.

6. Are you presently living in substandard housing? Habitat’s goal is to eliminate substandard housing. Your home could be structurally unsound, overcrowded, have inadequate plumbing, heating, roofing, etc. or you may have no home of your own at all. As part of the application process, a visit to your current home will be made to assess need. If your housing is not substandard, but is unaffordable and cost burdening to you, you may also qualify.

7. Are you willing to work the required 300-450 hours in the process of building your home, including assisting with construction, required workshops, classes and other Habitat programs, over the next 9-12 months?
We have sweat equity activities available for people with ALL levels of abilities. Required sweat equity work hours will depend on the number of applicants.

If you believe that you meet these guidelines, send Habitat your contact information so they can let you know when applications are accepted and of upcoming homeownership training. Click here for an application.