Own A Home

Own A Home

Own a Home - Van Buren County Habitat for Humanity
29 Habitat homes in Van Buren County

Habitat for Humanity Van Buren County offers a hand up, not a hand out, to low-income families who seek affordable home ownership.

We build simple, decent, affordable homes in partnership with our home buyer families and thousands of volunteers. We sell these homes to qualified home buyers and provide an affordable mortgage loan.

Financing Basics

Habitat for Humanity offers approved applicants affordable financing on their home mortgage. Monthly payments (including property taxes and insurance), mortgage will not exceed 43% debt-to-income ratio. Property tax rates and insurance premiums will vary for each home and homeowner. Mortgage principal payments are recycled to build more Habitat homes.

Homeownership is a significant, long-term financial commitment with many rewards and benefits and offers security and stability to families who are financially responsible. Home buyers enter into a legal contract with HFHVBC and all Habitat homeowners to faithfully repay their mortgage and support construction of more Habitat homes in the community.

Qualification Information
  • The need for better housing, you must be living in housing that is inadequate in some way. This might mean your current place is:
    • overcrowded
    • in poor repair
    • unsafe or unhealthy
    • overpriced or unaffordable
    • poorly maintained
    • poorly insulated
  • The ability to repay the Habitat mortgage loan; you must show that you are able to pay for your home by proving you manage debt and finances successfully and are able to save funds for closing costs.
Household Size Income Range    *  Approximate hourly earnings
1 $21,650-$34,650 $10.41-$16.66/hour
2 $24,750-$39,600 $11.90-$19.04/hour
3 $27,850-$44,550 $13.39-$21.42/hour
4 $30,900-$49,450 $14.86-$23.77/hour
5 $33,400-$49,450 $16.06-$23.77/hour
6 $35,850-$53,450 $17.24-$25.70/hour
7 $38,350-$61,350 $18.44-$29.50/hour
8 $40,800-$65,300 $19.62-$31.35/hour

*Calculated based on a 40-hour work week. This is for illustration purposes only. The calculation of income includes earnings by all members of the household, as well as other sources of verifiable and reliable income

  • The willingness to partner with Habitat: Our home buyers must complete 250 – 400 hours of sweat equity (depending on the number of adults in the family) by volunteering at our office, store, or on the build site and by attending all required events, classes, and meetings.

If you are interested in learning more about partnering with Habitat for Humanity Van Buren County to achieve home ownership, please contact our office manager with any questions or to schedule an appointment.

Amber Smith, Office Manager

(269) 302-0211

admin@vbchabitat.org

Click the Link Below for a Homeowner Application

Homeownership Application

or pick one up at at:

Van Buren County Habitat for Humanity
56633  M-43
Bangor, MI 49013

For questions, please call our administrative office at (269) 302-0211.

fheo300

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.