Homeownership begins here
YOUR SUCCESS MATTERS TO US.
We believe that everyone deserves a place to call home and the opportunity to have secure, safe, and affordable housing. That’s why we partner with you in constructing your own residence. Throughout the process, you’ll also acquire the necessary skills to thrive as a homeowner.”
An environment of equality
Habitat for Humanity of Danville is an Equal Housing Opportunity organization and partners with individuals and families regardless of their race, gender, national origin, religion, sexual orientation, or familial status as long as they meet our homeowner qualifications.
The Benefits of Homeownership
- Build Equity
- Long Term Savings
- Improve Your Standard of Living
- Control Over Expenses
- Supportive Habitat Community
- Tax Deductions
Ready to become a homeowner?
Need for Housing
We assist families and individuals who are residing in substandard housing conditions. If your present living arrangement is hazardous, unreliable, overcrowded, in a state of disrepair, or unaffordable based on your income, you may be eligible to partner with us.
Partner with us
Our families collaborate with us to fulfill 200 hours of 200 hours of sweat equity. In addition to contributing to home construction efforts, partnership also involves engaging in financial and homeownership workshops.”
ability to pay
We thoroughly examine the financial circumstances of each applicant to determine the feasibility of making mortgage payments. We carefully analyze credit reports, current income, employment status, existing debt, and monthly expenses to make an assessment.
Gross income limits
We serve families from the Danville, Illinois, area who make between 40% and 80% of the area’s median income. To see if you would qualify, find your family size, and see if your annual income falls within the range.
Applicants must meet the following requirements. The income qualifications at the time of application for the Habitat homeownership program are as follows:
- Be a citizen or permanent resident of the U.S.
- Be able to pay a 30-year mortgage (0% interest)
- Must have at least 6 months of consistent income (via employment, SSI, SSDI, child support, etc)
- No unpaid collections over $1,000
- No bankruptcy within 3 years
- No evictions or foreclosures within the last 3 years
- Cannot have owned a home within the last 3 years (exceptions: Displaced homemaker who has only owned a home with a former spouse; Single parent who has only owned a home with a former spouse while married; An individual who has only owned a property that was not in compliance with state, local, or model building codes, or other applicable codes and that cannot be brought into compliance with such codes for less than the cost of constructing a permanent structure.)
- Must have lived or worked in the Habitat for Humanity of Danville serving area for at least one year
- Attend required homeowner education classes
- Be willing to complete 200 hours per family of sweat equity towards the building of your home.
To see if you might qualify, take our self-questionnaire.
PLEASE NOTE: This is NOT an application. This questionnaire is simply to help you assess if you would meet the criteria to qualify for an application. If, after considering this information, you feel that you meet the criteria for application, please express your interest to the director HERE.
When we are ready to open the application process, we will contact those on our list that feel they meet the given criteria. We will also post public notices on our Facebook page and in the local newspaper, as well as other public news sources.
