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Program Eligibility

The following questionnaire provides you the opportunity to determine if you may be eligible for the Bend Area Habitat for Humanity Homeownership Program. This is not an application to the program. If after taking this questionnaire, it appears you are eligible, please fill out the form at the bottom with your information.

* indicates required field

1. Are you a legal resident of the U.S.?*
- Yes
- No
Although we consider income of all household members, the income of the applicant with legal residency must financially qualify the household (in case the non-resident is required to be out of the country for a period of time). However, total household income must also fit within the income guidelines per family size.
2. Do you have a bankruptcy that has not been discharged/dismissed for two years?*
- Yes
- No
If a household has gone through a bankruptcy, the bankruptcy must have been discharged for a minimum of two years prior to submitting a partnership application and the household must be able to demonstrate a pattern of improved management and payment of debt.
3. Have you filed a foreclosure as recently as three years?*
- Yes
- No
A foreclosure must have been completed three or more years prior to submitting an application to Bend Habitat and the household must be able to demonstrate a pattern or improved management and payment of debt.
4. Do you fit within the current income guidelines for your family size?*
- Yes
- No
Each year the Income Guidelines are revised (based on Housing and Urban Development research) and we use a range of 40-75% of the county median annual income. Click here to check if your household income is within these guidelines.
5. Is your short term debt-to-income ratio below 13%? If not sure, use our DTI Calculator Tool on this website, to estimate your debt-to-income ratio.*
- Yes
- No
Your DTI ratio is your personal monthly budget and how much can be safely dedicated to home-related expenses. Monthly debt includes medical/dental, school loans (even deferred school loans), child support/alimony payments, car payments, loans, past due accounts. Does not include rent, utilities, or insurance.
6. Do you have a credit score of 620 and above?*
- Yes
- No
If “NO” answer: We recommend that you begin credit counseling to increase your credit score. You can get a free credit report once a year at Annual Credit Report. Review this report with the credit coaches (no charge) at NeighborImpact by calling 541-318-7506. Credit scores determine your credit worthiness for obtaining a mortgage loan. Generally, the better your credit ranking, the more likely it is you will be able to secure a loan with favorable terms.
How Did You Hear About Us?
Ineligible - Based on your responses, you may not be eligible for the Bend Habitat Housing Partnership Program. You may still attend one of our Information Sessions to answer some questions about the program's eligibility criteria. Please check our schedule for dates. We also recommend that you contact NeighborImpact Home Source Department 541-323-6567 for free financial counseling and credit review. We encourage you to come back next year, after setting goals toward homeownership and working with credit coaches and/or classes such as those offered at NeighborImpact, great progress can be made!
Eligible – Based on your responses, you may be eligible for the Bend Habitat Housing Partnership Program. Your actual income and other factors will be evaluated once your complete application, including supporting documentation, has been submitted. By clicking on the "Sign up" button below, you agree to be notified of the next Housing information session (first step in the process) Please check our schedule for dates.

If it looks like you may be eligible for the Bend Habitat Homeownership Program attend our next Housing Information Session

Would you like to attend? Take a minute to give us your information so we can contact you. (we will not sell or share your information with a third party)

YES! SIGN ME UP

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Calculate your Debt to Income Ratio

click here for a calculator

Descarga cuestionario de elegibilidad en español

APPLICATIONS FOR HOUSING

We receive applications for housing in Bend twice a year. Click here for information

Recibimos solicitudes para el programa de vivienda en Bend, dos veces al año. Para más información haga clic aquí

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Monday - Saturday 10 am - 4 pm

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Home
Get Involved
- Volunteer
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Habitat Homeownership
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Events
About
ReStore

Make A Donation

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