APPLICATIONS FOR THE RUSTON HOME BUILD OPEN APRIL 1, 2023 AND CLOSE ON JUNE 1, 2023
Habitat home ownership is a hand up, not a handout
We believe in the positive power of affordable home ownership. Owning a home is an excellent way to put down roots in a community, to have a healthy place to live that you can call your own, and to provide your family with strength, self-reliance, and stability.
HFHNL offers affordable home ownership by partnering with the community to build quality, energy efficient homes using as much donated labor and materials as possible. We then sell the homes to qualified applicants with zero-interest mortgages and affordable monthly payments based on income.
House design: HFHNL is not a custom home builder. Our homes are designed to focus on providing simple, decent housing that “fits” the household size and accessibility needs. The homes are very energy efficient to save you money far into the future.
TO QUALIFY
Must be a resident of Northeast Louisiana for at least 6 months.
NEED
A need for affordable housing means you are unable to obtain adequate housing through conventional means, and your current housing includes issues such as:
- rent is too high, or
- housing is overcrowded, or
- it is inaccessible, or
- neighborhood is unsafe, or
- there are health & safety issues due to poor maintenance.
WILLINGNESS
Our program is possible thanks to community support, and Habitat home buyers are expected to contribute 250 hours of volunteer labor to support our mission.
This “sweat equity” does more than help to make the home affordable—it creates a positive community and offers the skills & knowledge you’ll need to be a successful homeowner.
ABILITY TO PAY
You must have a steady source of income to be able to repay your mortgage loan and your annual property taxes/insurance (see chart below for current income guidelines). Must be within 80% of the median area household income
Applicants should also have decent credit and a history of paying bills on time with no outstanding liens or judgments.
2022 MEDIAN INCOME GUIDELINES
| Household Size | Minimum Income | Maximum Income |
| 1 | 14,333 | 32,760 |
| 2 | 16,380 | 37,440 |
| 3 | 18,428 | 42,120 |
| 4 | 20,457 | 46,800 |
| 5 | 22,113 | 50,544 |
| 6 | 23,751 | 54,288 |
| 7 | 25,389 | 58,032 |
| 8 | 27, 027 | 61,776 |
Download and fill out the application if you meet the criteria specified. Additional guidelines and helpful checklists are also part of the download.
To mail in an application, use the following address:
Habitat for Humanity of North Louisiana
P.O. Box 2182, Monroe, LA 71207
To submit an application in person, use the following address:
Habitat for Humanity of North Louisiana
2816 Deborah Drive, Monroe, LA 71201