Habitat Pre-Screening Process

Thank you for your interest in Habitat for Humanity of Clark & Floyd Indiana!

The pre-screening questionnaire and income guidelines can be accessed below. Once you read through these Frequently Asked Questions, please complete the pre-screening form.

1. What is Habitat for Humanity?
   Habitat (HFH) is a nonprofit organization that serves as both a builder and a bank. We build and then finance mortgages on new construction and rehabs. Homeowners then pay their mortgages over 25 years, which literally pays it forward for us to be able to serve more homeowners in the community.
2. Is it a free house?
   No. Habitat homeowners must qualify for a 25 year mortgage. The pre-screening document attached is only one step of many in the process towards becoming a homeowner. There is a full loan application packet that must be completed and screened, which includes running credit, and submitting banking, financial, and other paperwork.
3. How much does a Habitat house cost?
   There is a down payment that will cover escrow and fees, usually $2,000 payable prior to closing. The monthly mortgage ranges between $600-$750 per month with a 0% interest 25 year loan. Homebuyers also contribute 250 sweat equity hours towards their down payment.
4. How much time does the program take?
   Typical HFH homebuyers will complete their sweat equity and education program in one to one and a half years. In this time, they will complete education courses and work on construction sites. The time commitment is the equivalent of a part time job. No construction experience is required.
5. Where would I live?
   HFH homebuyers purchase home on land that HFH can afford. Homebuyers choose from available build sites