Please give us your information and you will placed on a waiting list. Once the application process is re-opened, applications will be sent on a first-come, first-served basis. Please note that we anticipate the wait to apply to re-open in Spring of 2019.
There are several things you can do to help prepare yourself for homeownership:
1. Maintain steady monthly income for a minimum of six months.
2. Run your credit report. Pay off any delinquent accounts or judgements.You are entitled to one free credit report every 12 months from each of the nationwide consumer credit reporting companies. Request a report by visiting annualcreditreport.com.
3. Maintain fiscal responsibility. Manage the number of credit cards and loans you have. Always pay your bills on time. Avoid taking on new debts whenever possible. Continue to pay down your current debts.
4. Apply for a traditional mortgage through your bank or credit union. If you qualify for a traditional mortgage that will likely disqualify you for the Habitat program. (Exceptions may be made when you are unable to purchase a home that meets your families need because the loan amount is too low).
Please contact the Habitat for Humanity office if you have any questions.
Farmers State Bank
131 Tower Park, Suite 115, Waterloo, IA
****Inquire about the programs Homes for Iowans or First Home for down payment assistance.
Veridian Credit Union
1827 Ansborough Ave, Waterloo Iowa
***Inquire about the Waterloo Housing Partnership Loan for down payment assistance.