2022 Eligibility Questionnaire - Habitat for Humanity of Greater Sioux Falls, Inc. | Habitat for Humanity of Greater Sioux Falls, Inc.

Name *

First

Last

Email *

Phone *

Address *

Address Line 1

Address Line 2

City

State

Zip Code

Current household size? *

Count all adults and children who live with you now and are expected to be living with you three years from now. Minor children may only be counted if the applicant, co-applicant, or another adult in the household is the child's parent, legal guardian, or legal custodian. A pending birth/adoption is not counted until the event occurs.

1. Are you (and any co-applicant) a U.S. citizen or permanent legal resident? *

Yes
No

2. Have you (and any co-applicant) been living or working in Minnehaha, Lincoln, or Turner county since July 1, 2021? *

Yes
No

3. Do you currently have a stable, reliable, verifiable source of income that has been ongoing for 1 year and can reasonably be expected to continue for another 3 years? *

Yes
No

Do not count temporary or unreliable income, such as SNAP (food assistance) or unemployment.

4. Are you able and willing to save $2,000 for closing costs to purchase a Habitat home? *

Yes
No

5. Does your income fall within the Habitat income guidelines for your household size? *

Yes
No

Refer to the Habitat income guidelines charts below. Only veterans, teachers, first responders, or frontline healthcare workers are allowed the Special Eligibility income ranges; all others must meet General Eligibility income ranges.

Habitat Income Guidelines*

General Eligibility
Special Eligibity

*Based on current HUD income limits for the Sioux Falls, SD MSA, which includes Lincoln, Minnehaha and Turner counties.

6. Have you (or any co-applicant) ever filed for bankruptcy? *

No
Yes, but it has been MORE than two years since the bankruptcy was discharged, and i/we have re-established a good payment history since the bankruptcy discharge.
Yes, and it has been LESS than two years since the bankruptcy was discharged, or the bankruptcy is still in progress.

7. Do you (or any co-applicant) have a credit score that is 580 or higher? *

Yes
No - I (and any co-applicant) have a credit score that is below 580.
No - I (and any co-applicant) do not have a credit score or established credit, but I/we CAN provide three sources of 12-month payment history, such as: rent, utilities, internet, or other loan payments.
No - I (and any co-applicant) do not have a credit score, and I/we are NOT able to provide three sources of 12-month payment history.

You can request a free copy of your credit report every 12 months from each credit reporting company. To order your free credit report, visit annualcreditreport.com or call 1-877-322-8228. For more info: https://vimeo.com/352064477.

8. Do you (or any co-applicant) have unpaid delinquent debt in collections, judgments, or county aid liens? *

No
Yes, and the combined balance of all delinquent debt totals LESS than $3000
Yes, and the combined balance of all delinquent debt totals MORE than $3000

Collections, judgments, and liens may not appear on your credit report. To search for unpaid judgments, visit your local clerk of courts office. To search for unpaid county aid liens, visit your local register of deeds office. For debts in collection, contact the original creditor or the collection agency for more information.

9. Do your monthly debt payments (including debts of any co-applicant) equal more than 18% of your gross monthly income? *

Yes
No

Debt payments include minimum credit card payments, auto loans, student loans, and other borrowed-money payments. For student loans in forbearance/deferment, count 0.5% of the loan balance into your monthly debt. If you need help with the percentage calculation, use this calculator tool: https://www.calculator.net/percent-calculator.html

10. Are you willing to spend 12-18 months partnering with Habitat to complete at least 300 sweat equity hours? *

Yes
No

Household members who are 16 and older can contribute toward the required 300 hours. Single applicants can receive 125 donated hours, and dual/married applicants can receive 50 donated hours.

11. Are you willing to accept that Habitat does not build custom-designed homes? *

Yes
No

Habitat does not build custom-designed homes. Habitat will primarily be building twin homes in NE Sioux Falls in 2023. Selected applicants are matched to addresses that meet the needs of their household. Applicants who reject a home that is suitable to meet the needs of the applicant’s family will become ineligible to reapply for the Habitat program for two years.

12. Are you ready for the responsibilities of owning a home, including all home repairs and home maintenance, and paying homeowner’s insurance and property taxes? *

Yes
No

13. How did you hear about the Habitat Homeownership Program? (check all that apply) *

*Please provide the name of the person or organization who referred you, so that we can thank them!

Please leave any questions or comments here. We will respond as soon as we can.