Do You Dream of Homeownership? We Are Seeking Applicants!

Highlands County Habitat for Humanity has different financing options available. Currently, we are partnering with USDA Rural Development to offer an attractive home ownership program. If you are interested in learning more, please stop by and see us at 159 S. Commerce Avenue in Downtown Sebring.

To qualify for our current USDA home ownership program, you will need to meet the following criteria in addition to meeting various criteria required by Highlands County Habitat for Humanity:

Fill out a pre-qualification form for homeownership in our office
Provide income verification, to include 4 most recent pay stubs OR proof of unearned income (SSI, SSA, AFDC, VA benefits) OR proof of court ordered income (Child Support, Alimony, etc.)
640 credit score
Collections paid off or payment plan in place
Alternative credit history for past 12 months
Loan application and sales Contract
Must pay escrow down payment
Must pay credit report fee of $32
Copy of Social Security Cards for all household members
Copy of picture ID's
Copy of 3 most recent bank statements for all accounts
Must provide previous 2 years' tax returns
Must pay $1200 escrow payment
Must be a United States citizen or have Permanent Residency Card
Must supply reference letters
Must attend a 1st time homebuyer training course
Subject to Family Selection Committee Approval
Fulfill sweat equity requirement

To qualify for our traditional Habitat for Humanity homeownership program, you will need to meet the following criteria:

Be a US citizen or have a Permanent Residency Card
Proof of earned and/or unearned income
Must attend 1st time homebuyer education training
Copy of birth certificates and social security cards for everyone living in household
Copy of report cards for all school aged children living in household
Current landlord's contact information
Credit check
Criminal background check
Property investigation and home visit
Interview by Habitat's Family Selection Committee
Completion of required sweat equity hours