Everyone Deserves a
Decent Place To Live

We Can Help

Habitat for Humanity Northern Utah Helps Families move out of Housing that doesn't meet their needs and into a decent, safe, affordable home.

We will provide you with the coaching, education, and support needed to help you achieve your dream of homeownership.

We also believe that helping homeowners with exterior preservation, weatherization, and critical home repairs is part of the solution.  Our repair program helps local homeowners with the repairs they need.

Keep reading to find out more about each program...

 

HOMEOWNER_PHOTO_CREDIT__JASON_ASTEROS.jpg

Homeowner Criteria

Homeowners are selected by a volunteer-ran homeowner selection committee based on three qualifications:

1. Your need for Housing.  Is where you live safe? Are you experiencing overcrowding? Is your monthly payment affordable?

2. Your willingness to partner with Habitat for Humanity Northern Utah.  This includes things like good communication, being willing to participate, attending homeownership training courses, and each adult applicant finishing 250 sweat equity hours before moving in.

3. Your ability to pay. We look at all income from everyone 18 and older who will be living in the home.  Habitat homeowners are expected to pay an affordable mortgage, that is no more than 30% of your gross monthly income, property taxes, and homeowner insurance.

More information will be provided as you begin the application process for the homeownership program.  If you have any questions, please call our office at 435-723-7133 or email us at habtiat@hfhfnu.com.

Ask yourself these questions to know if you are ready to begin your journey as a Habitat homeowner:

  • Can I afford a mortgage payment of up to 30% of my gross monthly income?

  • Do I have six months of steady, verifiable income?

  • Do I have one year of good rental history?

  • Do I have no non-medical collection debt?

  • Has it been at least two years since bankruptcy or foreclosure was completed?

  • Do I have any unpaid judgments?

  • Can I pass a criminal background and sex offender check?

  • Can I pay a minimum of $1000.00 for closing costs at or before closing?

  • Do I meet the income guidelines for family size?

 
Freeze Framing 2.jpeg

Homeowner Program Application

The application process is now open!  

 

To apply, please watch the Homeowner Orientation Presentation linked below; click the button to get started.

 

This presentation will teach you more about the homeownership program, qualification requirements, and how the application process will proceed. If you have any questions, please call our office at 435-723-7133.

 

You will be asked to complete a short quiz at the end of the presentation.  After we have reviewed your answers, we will send you the application to complete. 

 

 
 

Repair Program Criteria

Our repair program works the same as our homeownership program.  When feasible, homeowners work alongside volunteers and professionals to compete the project.  Then pay a no-interest loan with affordable payments based on household income.

Before applying for a repair, please consider the following:

  • You must own and live in the home that needs repair.

  • You must provide proof of residency, current paystubs, and proof of homeownership.

  • Only exterior repairs will be considered.

  • You must be willing to work alongside volunteers, when feasible, to complete the repair.

  • You must be willing to pay for the completed repair at a no-interest, affordable monthly rate.

  • Review the chart below to see if you meet the required income guidelines.

USGA-16-18433-EM.jpg

Repair Program
Application

 

**The audio on the presentation may cut out, if this happens just click the audio icon found on the bottom right hand corner of each page to restart the audio.**