Steps to Qualify

If you think you meet the three criteria (need for housing, ability to pay, and willingness to partner), you can then follow these steps:

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1. Attend an Orientation Meeting

The application process requires attendance at one of our Orientation meetings. All potential individuals who will be on the mortgage must attend an Orientation meeting.

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Meetings are held at 6:00 PM on the second Tuesday of each month at 817 W. Pearl Street, Lebanon, on the west side of the Love Inc. Building

2. Fill out an Application

Application packets are available at the monthly orientation meetings, by contacting the Habitat office at 765-483-5134, or downloading the application here.

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A Qualified Loan Originator will review your application and members of the Family Selection Committee will conduct a home visit to determine your eligibility for homeownership. Once approved, you will be asked to make a modest deposit toward your new home.

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3. Earn Sweat Equity

Sweat equity is credit you are given for doing Habitat-related work and attending classes. 

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Each person listed on the mortgage is required to complete a minimum of 200 hours of sweat equity. Most hours are earned by working on the build site, but additional hours may be completed by volunteering with an approved local nonprofit organization or at the ReStore.