Families

Are you working and have the ABILITY TO PAY bills on time? Are you WILLING PARTNER with us? If you said yes, consider applying for a Habitat for Humanity home and starting your journey toward homeownership. Benefits of Habitat Homeownership for our Families.

DO YOU HAVE A NEED FOR DECENT HOUSING?

Home Ownership

Habitat Collin County is always looking for families needing decent, affordable housing to help keep their families safe, healthy, and strong. With each Partner Family added, our Habitat family grows. We have a strong relationship with our families, beginning with the qualification phase, then throughout the construction process and sweat equity work. Even after closing on their home, we will keep them informed about what is going on in our affiliate and ways they can be a part of our mission. Becoming a Habitat family can be a 12-18 month journey.

A house still in a wooden structure being built

Benefits of Habitat ownership

  1. Zero equivalent interest on a mortgage

  2. Affordable monthly payments

  3. Attractive, well-constructed homes

  4. Brand appliances

  5. Energy-efficient homes with low utility costs

  6. Built to meet the family’s size needs

  7. Currently building Townhomes in McKinney

Houses that were built based on family sizes

What applicants get

  • Families will be paired with a mentor to help them assimilate and understand the Habitat organization and take the steps necessary to homeownership.

  • Families that meet the Habitat criteria will be given a plan of action to work towards qualifying.

  • Applicants will attend our Family Seminar and learn about our HabitatHomeownership Program.

EVERYONE DESERVES A DECENT PLACE TO LIVE

We can help you buy a home you love with a mortgage you can afford.

Home owner profiles

Are you interested in purchasing your first home through habitat?

INCOME GUIDELINES

  1. Are you a U.S. citizen or a permanent legal resident of the U.S.?

  2. Are you currently living and working in Collin County?

  3. Does your income fall between 30%-60% of the area median income levels before taxes for our area, depending on your family size?

DO YOU QUALIFY FOR A HABITAT HOME?

Application process

  • Step 1: Complete the Mortgage questionnaire for a mortgage analysis

    • When given the application, complete and return by the deadline. Habitat for Humanity is located at 2060 Couch Drive in McKinney, TX 75069. Habitat will conduct a sexual offender criminal background check and a credit check for the applicant.

    Step 2: Pre-Qualified

    • Applicants will be invited to attend a Family Seminar to find more information about Habitat Homeownership Programs.

    Step 3: Gather Required Documentation

    Applicants will gather the required documents for consideration of their application. Documents should be given to the Family

    • Programs staff member. Once all documents have been submitted, the application will be reviewed by Habitat staff.

    • Collect and save W-2 statements from all your employers for the past two years.

    • Collect and save your tax returns for the past two years with all schedules. You can request transcripts for free by calling 1-800-829-1040.

    • Save your pay stubs. You will need two months of pay stubs when you apply.

    • Save all your bank account statements (checking and savings). You’ll need two months of these when you apply.

    • Gather complete addresses and telephone numbers for Landlords, Employers for the last two years, and Banks where you have accounts.

    • If this applies to you, gather copies of all bankruptcy papers and divorce or separation papers.

    • Make sure you have a photo ID and a Social Security Card.

    • Start taking care of debts on your credit report; you’ll have to clear any judgments. You can get your free credit report by calling 877-322-8228 or from www.annualcreditreport.com.

    • Provide photo ID, proof of residency, and citizenship/legal resident status.

    • Last two months utility bills.

    • Current credit card statements on all open accounts.

Sweat Equity Hours

  • WHAT IS EXPECTED OF QUALIFIED PARTNER FAMILIES WAITING FOR THEIR HOME?

    • Invest 250 to 500 hours of sweat equity hours

      • Sweat Equity Hours is the term we use to determine the time a homebuyer
        volunteers. After signing the Letter of Intent (LOI), each qualified Partner Family
        must complete between 250-500 sweat equity hours before closing and moving
        into the house. Friends and family may complete up to 50 hours.

      • How do I earn Sweat Equity Hours?

        • Work in Habitat ReStore

        • Attend monthly educational meetings

        • Follow through on their financial goals toward homeownership.

    • Annual monthly educational meetings

    • Follow through on their financial goals toward homeownership

Documents Required

  • Habitat for Humanity of Collin County
    2060 Couch Drive, McKinney, TX 75069
    Office: 972-542-5300
    Fax: 972-542-5159
    DOCUMENTS REQUIRED

    Legible copies of the following documents must be provided for BOTH the applicant and the co-applicant (if applicable). This is a REQUIRED step in the
    application process. Without this information, we will be unable to process your application. Checklist of items to send. Must Bring Copies.

    Check the documents enclosed:

    1. Copy of your Driver’s License for all family members (16 & up)

    2. Copy of Social Security cards for all family members

    3. Copy of Birth Certificates, Passport/Permanent Resident for all family members

    4. Documentation of your income (for ALL the income you receive)

      • Copies of your last 90 days paycheck stubs

      • Bring copies of your last 2 years (2019-2020) complete and signed tax return and W-2’s and/or 1099’s

      • Copy of your most recent benefit statement for SSI, Disability benefits, AFDC, TANF.

      • Copy of your legal documents which verify how much child support you are entitled to receive
        (Divorce Decree, Support Agreement, etc.)

      • Attorney Generals office printout to verify the child support you have received (copy of last 24 months)

    5. Copies of your 3 most recent months bank statements/credit union statements for checking and savings accounts</l

    6. Copies of your 2 most recent months utility bills (electric, gas/water, cell)

    7. Copy of your 2 most recent months credit card statements for all open accounts

    8. Copy of your 2 most recent months statement(s) on all car loans and Insurance

    9. Copy of your 2 most recent months statement(s) from all other loans.

    10. Copies of current & previous rental contracts.