Listed below is an outline of the basic family selection criteria. Please read through these initial criteria and decide if you feel you fall within these guidelines and are interested in partnering with Habitat. If you have any questions call our office toll free at 1-866-600-0288 or email us at chabitat@ecenet.com

FAMILY SELECTION GUIDELINES:

• A willingness to partner: You, your family, or someone you select must work a combined total of 265 hours (this labor is called “sweat equity”) on the building of your home. Once moved in, you must be a good steward of your home.

• A housing need: You must be currently living in inadequate, over-crowded, or substandard housing. Your income must be too low to secure conventional financing, but sufficient to make monthly payments required on a no-profit, traditionally no-interest ECM Habitat for Humanity mortgage.

• The ability to repay: an affordable no profit loan on the home including taxes and insurance.

• Residency requirements: You must have LIVED within our five county service area for at least one year prior to the date on your application (counties include Pine, Mille Lacs, Kanabec, Isanti , and Chisago.)