Apply

Habitat_Powers-249New homeowners (at left) receive the keys to their new home.

Habitat for Humanity builds homes for low-income households in need of a simple, decent and affordable place to live.

Habitat for Humanity Mid-Yellowstone Valley is an Equal Housing Opportunity builder. We are pledged to the letter and spirit of U.S. policy for the achievement of equal housing opportunity throughout the nation. We encourage and support an affirmative advertising and marketing program in which there are no barriers to obtaining housing because of race, color, religion, sex, handicap, familial status or national origin.

  • Since our founding in 1992, Habitat for Humanity Mid-Yellowstone Valley has built 70 homes in partnership with deserving homebuyers in Yellowstone County.
  • To date we have helped provide decent, affordable homes to households including more than 200 children throughout our community.

All potential applicants must contact Habitat for Humanity Mid-Yellowstone Valley directly for more information about qualifying to apply. Call 406-652-0960 and ask for Chrissantha.

1. Are you presently living in inadequate housing?

To qualify to apply for the Habitat for Humanity homebuyer program, a household must be in need of simple, decent and affordable housing. To demonstrate housing need, your current housing must be inadequate for your household in one or more of the following ways:

  • Overcrowding (more than two persons sharing a bedroom, or two persons with 5 years or more age difference sharing a bedroom)
  • Incomplete or non-functioning kitchen and/or bath; problems with electricity or heating
  • Structural damage to roof, foundation, walls, floors, etc.; drafty/leaky windows or doors; mold or pest infestation issues
  • Inadequate facilities for special needs like physical disabilities
  • If your current housing is adequate but too expensive, you may qualify by proving that you have previously (within the last four years) lived in inadequate housing and that the only alternative was this, more expensive housing.

2. Can you afford a monthly house payment of about $700?

Your household must have sufficient income to meet monthly mortgage payments of approximately $700, including taxes and insurance, as well as normal living expenses. Your household’s income must fall within certain low-income guidelines to insure that you do not qualify for other housing programs or conventional financing. We will consider all forms of income, including alimony, child support, public assistance, SSI/disability, stipends, per capita, rental/lease income, etc., as long as it will continue for an additional 3 years after applying for a Habitat house. You do not have to have perfect credit, but you must show that you are committed to improving your financial situation and have no bankruptcies within the last year and no outstanding judgments. Your household must fall within the following 2015 income ranges:

Household Size
Minumum Income
Maximum Income
1
$13,900
$27,800
2
$15,900
$31,800
3
$17,900
$35,750
4
$19,900
$39,700
5
$21,450
$42,900
6
$23,050
$46,100
7
$24,625
$49,250
8
$26,200
$52,450

3. Are you willing to partner with Habitat by helping to build other people’s homes as well as your own?

You will need to complete a minimum of 350-500 hours of sweat equity labor, depending on your household’s size, before you can move into a home. A minimum of 75% of these hours must be worked on our construction sites. You do not need to have prior construction experience. You can also complete sweat equity by helping with other functions of the affiliate like helping with work in the office and/or committee work, making lunches for work crews, etc. You must also be willing to live where Habitat is currently building.

4. You must have resided in, or commuted to a job within, Yellowstone County for at least the past year.

If you feel you meet all of these requirements, please contact the Habitat office at 406-652-0960 or by email, applications@billingshabitat.org, for further information to determine your eligibility.