El Dorado Habitat for Humanity is an Equal Housing Opportunity builder. We are pledged to the letter and spirit of U.S. policy for the achievement of equal housing opportunity throughout the nation. We encourage and support an affirmative advertising and marketing program in which there are no barriers to obtaining housing because of race, color, religion, sex, handicap, familial status or national origin.
All potential applicants must contact El Dorado Habitat for Humanity for information about how to receive an applications, documents needed for applications, and when El Dorado Habitat for Humanity is receiving applications. Email .
The following information details the qualifications for homeownership:
To qualify to apply for the Habitat for Humanity homebuyer program, a household must be in need of simple, decent and affordable housing. To demonstrate housing need, your current housing must be inadequate for your household in one or more of the following ways:
Your household must have sufficient income to meet monthly mortgage payments of approximately $300, including taxes and insurance, as well as normal living expenses. Your household's income must fall within certain low-income guidelines to insure that you do not qualify for other housing programs or conventional financing. We will consider all forms of income, including alimony, child support, public assistance, SSI/disability, stipends, per capita, rental/lease income, etc., as long as it will continue for an additional 3 years after applying for a Habitat house. You do not have to have perfect credit, but you must show that you are committed to improving your financial situation and have no bankruptcies within the last year and no outstanding judgments.
You will need to complete a minimum of 500 hours of sweat equity labor, depending on your household's size, before you can move into a home. A minimum of 75% of these hours must be worked on our construction sites. You do not need to have prior construction experience. You can also complete sweat equity by helping with other functions of the affiliate like helping with work in the office and/or committee work, making lunches for work crews, etc. You must also be willing to live where Habitat is currently building.
If you feel you meet all of these requirements, please email , for further information on when we are accepting applications.