Do I Qualify

Habitat Berks homes are available to first-time homebuyers who meet all income and credit guidelines.

We seek first-time homebuyers who meet the following criteria:

  • Ability to pay a low interest 30-year mortgage
  • Demonstrated need (for example, current overcrowded conditions or financial burden from renting, etc.)
  • Willingness to partner with Habitat for Humanity of Berks County (taking 76 hours of educational courses, contributing a total of 400 hours of sweat equity including the educational courses over a period of 12 to 14 months, willingness to work with  Habitat to improve your current financial situation, etc.)

To get an idea if you qualify, you should be able to answer YES to the following questions:

STEP 1

To become a Habitat Berks homeowner you must first meet the following requirements:

  • Are you a legal U.S. citizen?
  • Can you provide proof of residency in Berks County for at least one year?
  • Do you earn 60% of the median income for Berks County?
    For Example:
    A family of four must approximately earn $39,000 a year.
  • Can you submit to an extensive credit check?
  • Can you provide financial documentation that will prove you’re able to afford a 30-year mortgage?
  • Will you be able to complete 400 “sweat equity” hours within 14 months including financial and budgeting education.
    “Sweat Equity” is the volunteer hours that families are responsible for completing before moving into their home.

STEP 2

SCHEDULE YOUR INFORMATIONAL MEETING:
You must schedule a meeting with Lynn Jusinski, Manager of Family Services, to learn more about the application, to review the financial documents required, and to ask any questions you may have.

To schedule your informational meeting today contact:
Lynn Jusinski
Family Services and Volunteer Coordinator
ljusinski@habitatberks.org
610.373.3439
Extension: 301

STEP 3

REVIEW APPLICATION HERE

REVIEW FINANCIAL DOCUMENTS REQUIRED

  • Potential program candidates can review the application online but cannot submit applications or financial information online.
  • Fill out application completely and bring to informational meeting
  • Make copies of all financial documents required and bring to informational meeting

*All applications and financial documents are reviewed at the Family Selection committee meetings held once a month.