You must have been in full time employment least 1 year (or 6 months in same line of work as your previous position) or part time employment for 2 years
Have less than $1,000 in delinquent debt
>640 Credit Score
Willingness to Partner
🛠 For a successful relationship between Habitat for Humanity of Effingham County and potential homeowners, these obligations must be met by applicants:
Be willing to complete at least 250 hours of “sweat equity” (volunteer hours)
Accept a home in neighborhoods where Habitat for Humanity of Effingham County is building
Participate and complete Homeownership Preparatory Training and Educational Workshops
Make a down payment of 2% of the purchase price of the home & pay monthly mortgage.
Need for Housing
✅ Must meet one of the following:
Living in an inadequate shelter due to problems with heating, water supply, electricity, etc.
Living in overcrowded conditions
Spending more than 40% of income on housing (rent + utilities)
Residing in Section 8 or Public Housing
Residence is not secured by an official lease agreement
