The answers to these questions do not represent your ability to qualify or not for the program. We encourage you to complete the Eligibility Questionnaire (link) and watch our housing informational video (link).

Click on the question to see the answer.

Questions? Maybe these Answers can help:

How do I apply to the Habitat Program to be able to buy a home?

Start by watching the Informational Video on our website and then complete and turn in the Customer Intake Form .

I thought Habitat was only for really low income people. I have a good job at the hospital and I have been pre-qualified for a loan amount of $200,000 but I can’t find a home to buy. Can I apply for the Habitat program?

 Yes. Bend Habitat serves a broader income range than people might realize. For example, a household size of three can earn between $2,750 and $5,000 per month and potentially qualify for our program. Check our current program brochure to review income qualifying guidelines.

How long will it take for me to buy a Habitat Home?

Once a person/family is selected into the Habitat Partnership Program, it typically takes 12-15 months to complete the program requirements. Once program requirements are complete, you will apply for a home loan through a qualified Oregon Bond Program lender. This process can take approximately 8 weeks. In total, once in the program, the entire process can take about 18 months or so.

I think I fit within your income guidelines. I have three children. However, I also live with my disabled partner. What do we use as our family size and income amount?

The income per month is unclear (we do not know how much disability income your partner receives and/or if it is permanent income or not) and we are not sure if you will be living together in the Habitat house. Refer to the income guidelines for a family of 4 or 5, watch the informational video, and submit a Customer Intake Form.

housing Program brochure (english & spanish)
I am within the income guidelines but I think my credit is bad. What credit score do I need to have to qualify?

The definition of “bad credit” is different for everyone. Our loan program requires a credit score of 620 (FICO) or above, however we also look at your credit history as a whole. If you have a large number of unpaid collection accounts (over $500 or more) it is best to talk to a free credit counselor, such as those at NeighborImpact in the Home Source Department, 541-318-7506 ext. 306. Once you become our mortgage counseling client we will run a softpull report and start to work with you towards improving your credit score.

What does it mean to be Mortgage-Ready for the Habitat program?

While Bend-Redmond Habitat does not hold the mortgage loans in-house, we do work with outside lenders and have very similar guidelines. In addition, we have our own policies and program requirements. For more on our Mortgage Readiness categories, click here.

My spouse works on a farm and I am a stay-at-home mom. His income is within the guidelines but he does not have a green card but I am a U.S. citizen. Can we buy a Habitat house?

Our policy is that the main income earner must be the applicant to the program. Applicants must have permanent residency or be a U.S. citizens to qualify for a home loan through our current lending program.

My roommate and I want to buy a house together. Do we qualify?

Possibly. We do not discriminate against people based on household make up. We encourage you to apply. Start by watching the informational video and submitting a Customer Intake Form. Both applicant and co-applicant must meet the basic Need, Ability to Pay and Willingness to partner guidelines.

I am a single mom with two children, and my 10-year old daughter receives permanent disability income of $354 per month. Do we qualify?

Because your child’s disability income will be stable for three of more years we can include it in your income calculations, which we can then check against the current yearly income guidelines for your family size. However, we would also need to review your monthly debt to be sure you debt to income ratio also fits our guidelines.

I am a single person living alone and just returned to the workforce after going back to school. The only debt I will have will be my school loans and I am currently on an income-based repayment (IBR) plan of $0 per month. I have to report my income every year. Can I qualify for a Habitat home?

We would need to see your income verification and any documentation you have on your IBR plan. Typically, if we do not have verification of the payment plan, we would look at school loans as a percentage of the total loans (usually about 1.5% of the total as an estimated monthly payment). Habitat does not disqualify applicants based on family size as we follow the Federal Fair Housing laws. Please refer to Fannie Mae guidelines for more information

My husband’s mother lives with us and we have one daughter in high school. Can we all live in a Habitat home together?

Yes, as long as you meet the guidelines (household size of 3). We will look at the income of all the adults in the household.

How much will I pay for a Habitat Home?

Our sales price is set based on a home appraisal (and/or the sales price limit for the Oregon Bond Program, whichever is lower). However, your mortgage will be set based on your affordability, typically no more than 33% of your gross income at the time of the home loan application.

How long will I be in the program before I can buy my home?

The Habitat Partnership Program towards Homeownership can take from 12-24 months from the time of selection into the program until home purchase.

Will I be able to sell my habitat house?

Yes, but there are resale restrictions. Habitat has the right of first offer and there is a shared appreciation model.

If you have specific questions please contact the Homeowner Services Department:

541-385-5387 or email 

DeeDee Johnson, ext. 103,