Frequently Asked Questions for Potential Habitat Homeowners

Who can apply for a home?
Anyone who meets our homeowner criteria. The four major criteria for Lawrence Habitat for Humanity are:

  • Need for adequate housing
  • Ability to pay
  • Willingness to partner
  • Live or work in Douglas or Jefferson counties for 12 months immediately prior to applying
Do you only build homes for Christians?
No. While Habitat for Humanity is a Christian ministry, Lawrence Habitat follows a non-discriminatory policy of family selection. Neither race nor religion is a factor in who is selected to become a Habitat partner family.
What constitutes a “need” for adequate housing?
That means a family doesn’t have any shelter or it has certain characteristics. You can read about those here.
How do I know if I have the ability to pay?
Take a look at our income guidelines. “Working” income isn’t required, but all income should continue for at least three years.
Looks like I meet the guidelines. How much will my monthly mortgage payment be?
Your monthly mortgage payment will not exceed 30% of your monthly income. 
What about interest?
All home mortgages with Habitat for Humanity are interest free.
Where does the money from my payments go?
The money goes back into Lawrence Habitat for Humanity and will help build more houses for other families in need.
What will I have to do to partner with Habitat for Humanity?
The major component is sweat equity. All adults over the age of 18 that will live in the Habitat home must complete 225 hours of sweat equity each. Children under 18 or full-time students under 24 aren’t required to do sweat equity. Fifty of those hours must be complete before we can start building the house.
What if I can’t do physical labor?
We’ll work with homeowners if they can’t do physical work. We’ll find other ways for you to do that can count toward sweat equity.
What are the residency requirements?
Applicants need to be U.S. citizens or legal permanent residents. Additionally, an applicant must live or work in our service area, Douglas and Jefferson counties, for at least 12 months immediately prior to applying.
Who makes the final decision on if my family qualifies for a home?
The Family Selection committee makes recommendations to the Board of Directors. That group has the final say.
How do I get started?
You’ll have to attend a meeting that happens just twice a year. Everything you need to get the process going is here.
Still have more questions? Email us or give us a call.
You can also check out our “What Does It Take” brochure.
Curious about what our homes are like? Get the basic facts here.