NOTE: Homeowner applications are not being accepted at this time. The
application period is generally January of each year. Please watch the
newspaper and this web site for details.
Habitat for Humanity is a Christian housing ministry financed through private
donations and volunteer labor. Our purpose is to build homes for families in
need, and provide them at no profit to families who could not otherwise afford
them. If you are interested in applying for home ownership through our
organization, please first read the following items to see if you have an
interest in our ministry AND TO SEE IF YOU MEET OUR GENERAL GUIDELINES.
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To qualify you must have a housing need. For example: no indoor plumbing, poor
heating, leaks in the roof, overcrowding (three to a bedroom), unsafe or
unsanitary conditions.
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You need to have lived in our service area (Ardmore city limits) ONE YEAR.
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You need to have a minimum steady income of $1000 a month ($12,000 a year),
roughly 25% of the median income for your community.
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Your total family income should not be much more than $20,000 per year, roughly
50-75% of the median income for your community.
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With your permission, we will verify employment and other income, verify
checking and saving account balances, get a statement from your current and
previous landlords, have a credit check done, and ask you for credit
references. We will also need the names of two people who know you and who we
can contact.
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If you are approved for a Habitat home, we ask that you be willing to join the
programs to learn and practice budgeting, home repair, and maintenance.
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If approved for a home, we ask that you are willing to work 300 hours of sweat
equity, 75% of those hours before construction can begin on your own home.
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If you are approved for a Habitat home and if you meet the sweat-equity and
nurturing requirements, then we will sell you a home at our cost or the
appraised value, which one is less, with no interest. Home payments including
taxes and insurance will cost approximately $250 a month. The house payments
will be used by Habitat budget to help in the administrative cost and build
more houses with other people like you. This requires that you make these
payments on the first of the month and on time.
Please note that your application must be filled out completely – every page
included, signatures complete where requested. If married, both must sign all
forms. FAILURE TO COMPLETE APPLICATIONS WILL RESULT IN YOUR APPLICATION BEING
DENIED. IF ANY INFORMATION PROVIDED CHANGES…TELEPHONE NUMBER, ADDRESS, PLACE OF
EMPLOYMENT, ETC YOU MUST ADVISE IMMEDIATELY. If we cannot reach you at
information provided, your application will be denied and you will have to
re-apply. Please address any question or changes to (580) 504-2624 or (580)
223-1540.
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Sign up to help Habitat
for Humanity [click here]