Frequently Asked Questions regarding the Application Process and Timeline for NW Cottages (in Bend)

How do I attend an Information Session?

Our Information Sessions are now online and can be completed by watching the 8-minute video on our website:  (also available in Spanish)

How do I set up a one-on-one appointment with a Habitat Housing Counselor?

Normally, this is done once a Client Intake Form is completed and returned, and a soft credit pull is completed by the client. However, since we are in the application cycle, there will not be time for this step of the process. Complete the full housing program application in place of the Client Intake Form.

Note: If you are not qualified at this time, complete and return the Client Intake Form and we will send you an email with a link to complete a soft credit pull and we can schedule a 1:1 (virtual) meeting to help prepare you for general mortgage readiness.

How long does the application process take, and when will I be notified if I am selected?

The application process takes our selection committee a couple of months to get through. We meet once a month. The first month/meeting (September) will be to review the underwriting (financially qualified candidates) and the second month (October) to review the home visits and, also to select our 4 applicants for the NW Cottages. If an applicant is not qualified for some reason, they will be notified after September 11th. Those applicants that make it through the home visit, and then if selected, will be notified mid-late October. 

Then, once in the program, it takes “partner families” 8-15 months to complete the program. Depending on construction, we hope it is about a year when a person can purchase their Habitat home.

Where do I turn in my application?

Applications are due by September 11, 2020. However, you can turn them in earlier:

  • In-Person: Bend-Redmond Habitat Administration Office at 224 NE Thurston Ave., Monday – Friday between 10am and 4pm. 
  • By Mail: Bend-Redmond Habitat Administration Office at 224 NE Thurston Ave., Bend, OR 97701

After hours: Using the secure Habitat mailbox across the street from our Administration offices at 224 NE Thurston Ave. (square mailbox with “Habitat” on the front). Pull open the door and slide your envelope into the slot, and it will drop into a locked box.

What if I have questions about the application?

You can email (this ensures that both DeeDee and Catalina will see your message. Because some of our staff are still working remotely, this is the best way to reach them) 


You can join our monthly Homeownership FAQ, on the first Thursday of each month at noon. To RSVP, send an email to and you will be sent a Zoom invite before the meeting.

I live in Redmond (or Sisters, or LaPine) but I work in Bend…can I apply for the NW Cottages?

As long as you have lived or worked in Bend for at least 1 year. 

That’s right! affordable, unique and cozy pnw-style cottages in a great cul-de-sac location, with convenient private loop access safe for kids and pedestrians

Enjoy the sense of community-living on this courtyard style development, with access to all of what Bend’s central RiverWest neighborhood has to offer: High-rated schools, great walkable restaurants, coffee shops and Central Oregon Community College and walking distance to Drake Park’s Mirror Pond or Harmon Park for access to the river, beautiful walking loops and downtown Bend.

Available for sale in this 10-home land-lease development are:

  • Two 3-bedroom / 2-bath on two levels, including garage with back access
  • One 2-bedroom / 2-bath on one level, including garage with back access

Built to meet Net Zero Energy “best-in-class” energy efficiency standards in construction – along with solar panels.

Qualifying Guidelines for Home Loan Approval:

  • Minimum income: $36,000 – $42,000 for 2-5 person household
  • Maximum income: $55,000 – $66,000
  • 620 minimum credit score
  • First time homebuyer

Program Applications available online or pick-up at Bend ReStore Cashier Counter

Due: September 11, 2020, 12:00am