I meet all the qualifications. How do I apply for a home?
- To apply for a Cincinnati Habitat home, you must first register on the Cincinnati
Habitat Housing Database. To do this, simply complete the registration form
or call 513-555-0192, ext. 305.
- A representative from Cincinnati Habitat will contact you within one week to determine if you
meet our minimum qualifications and will then add your information to our housing database.
- Applications for Cincinnati Habitat homes will be distributed one to two times per year to every
person registered on the Housing Database by either mail or at application meetings hosted by Cincinnati
Habitat. Each person who registers on our housing database will be contacted when it is time to distribute
the applications. You will not receive any information from us until it is time to distribute applications.
- Each application must be returned to Cincinnati Habitat on time and with all necessary documentation included.
The application will then be reviewed to determine if the applicant(s) meet the ability to pay criteria by
demonstrating an ability to repay an estimated monthly mortgage of $400.00 (including closing costs,
taxes and insurance). Your rental and credit history will be reviewed. Cincinnati Habitat will want to
see that monthly debts have been paid on time. If any applicant has a "bad debt" item on their credit
report that is over $500.00, they must provide a written payment plan with the creditor before their
application will be reviewed.
- All applications that meet the ability to pay criteria, must be interviewed at the applicant(s)
home by a team of two volunteers from the Family Selection Committee. These interviewers will meet with
the applicant(s) to determine their willingness to partner with Cincinnati Habitat during the building
and purchasing of the home and also determine their need for simple, decent, affordable housing.
- All of the interviewers will then meet and present a brief description of the applicant's housing
need and willingness to partner. Each family will be scored on a scale of 1-5 on their ability to pay,
housing need and willingness to partner. Their final scores will be weighted with 35% of their overall
score based on housing need, 35% on willingness to partner and 30% on ability to pay. The family with
the highest score will be presented to the Family Selection Approval Team for final approval.
Homeownership changes lives, strengthens families, and builds stronger communities.