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Qualifications for a Habitat home

Habitat for Humanity is a Christian housing ministry whose purpose is to build homes with families and to sell the houses at no profit and no interest to families who could not otherwise afford a home. Please read the following general guidelines to see if you meet Habitat’s requirements:
1.)You must have a housing need. (For example: no indoor plumbing, poor heating, leaks in the roof, overcrowding (three to a bedroom), unsafe or unsanitary conditions.)

2. You need to have lived or worked continuously in our service area for at least one year. (Our service area is defined as inside Pike County, Kentucky within a 15-mile radius of the city of Pikeville.)

3. You need to have a minimum steady income.

4. With your permission, we will verify employment and other income, verify checking and savings account balances, get a statement from your current and previous landlords, have a credit check done, and ask you for credit references. A background check and Sex Offender Registry check will also be performed on all adult family members (age 18 or older) before the completion of the application process.

5. If you are approved for a Habitat home, we ask that you be willing to join in programs to learn and practice budgeting, home repair, and home maintenance.

6. If approved for a Habitat home, all adult (18 years and older) members in your household must help contribute to a set number of sweat equity hours. (Adults with special needs will be assessed on a case-by-case basis.)

7. If approved for a Habitat home, $500.00 will be needed for a down payment. If your family is selected, you will have some time to save this money before closing.

8. If you are approved for a home and if you meet the sweat-equity and down payment requirements, then we will sell you a home for a set price. Habitat house payments include taxes and insurance. The house payments will be used by Habitat to build more houses with other families. This requires that you make these payments on time.
If you would like to apply for a Habitat home and you believe you qualify according to the above guidelines, please go to the “Contact Us” page of this website and send us an email message or give us a call and we will help you with the application process. Please be sure to read the “Habitat Facts” page included on this website for further information.
Thank you for your interest in Sandy Valley Habitat for Humanity!