Be legal citizens of the United States and residents of eastern Polk County, FL for at least one year

Not be able to secure conventional home mortgage financing

Have a stable income for at least six months sufficient to meet all household expenses plus a mortgage obligation

Volunteer in the construction of someone else’s Habitat house in eastern Polk County prior to the start of the construction of their own house

Voluntarily participate in the construction of their own Habitat house from start to finish

A total of $1000.00 down payment, half ($500.00) before we start your house and the remaining $500.00 before completion.

Permit a credit investigation and have a credit history free of bankruptcy, foreclosure repossessions and/or charge offs for a minimum of three years

Make regular, on-time, monthly principal-only mortgage and escrow (for taxes and insurance) payments for a minimum of twenty years

Attend a homeowners’ responsibilities education class taught by Keystone Challenge

Maintain their house and lot in a responsible fashion to reflect positively on Habitat

Attend an April “Application Night” event for more information and to secure an application (event dates, times and locations are announced after March 15th-simply call 292-2256).

Next Homeowner Application Night on Tuesday April 8, 2008 at Calvary Assembly of God Church, 3800 Recker Hwy, Winter Haven, FL at 6:00pm .

Applications for housing are received each year ONLY in April.