Phone * Family Size * Are you a U.S. Veteran? * No Yes ¿Habla Español? Si, por favor enviar información en español 1. Are you a legal resident of the U.S.? *
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 four years? *
If a household has gone through a bankruptcy, the bankruptcy must have been discharged for a minimum of four (4) 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? *
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? *
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.
to check if your household income is within these guidelines.
5. Is your short term debt-to-income ratio below 12%? If not sure, use our DTI Calculator Tool on this website, to estimate your debt-to-income ratio. *
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? *
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.
What is your Current Living Arrangement? * Renting Apartment/House Renting a Room Own a Trailer/Rent Space Living with Friend or Family - Not Paying Rent Homeless (in a Shelter, Car, Tent, etc) Live in an R.V. Would you be Considered a First Time Homeowner? (Not having owned a home in the last 3 years) * Would you be a First-Generation Homeowner? *
Mark "Yes" if no one in your immediate family, a parent or grandparent has owned a home
How Did You Hear About Us? * Bend-Redmond Habitat for Humanity website Church Employer Facebook / social media Friends / family Google or other internet search Media Articles (KTVZ, Central Oregon Daily, Radio, Etc) Other agencies or businesses Staff Referrals Walk-In Other Please let us know where you heard about us. I live in (city): * I work in (city): * Ethnicity (please choose one) * Hispanic/Latino Non-Hispanic/Latino I decline to report Race (please choose one) * American Indian or Alaska Native Asian Black or African American Native Hawaiian or Other Pacific Islander White Other 2 or more races I decline to report Gender * Male Female Other Gender Identity I decline to report Gender Identity (Optional) Message or Comments (if any): 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. We encourage you to submit your information so we can potentially start working with you to get you ready for the program. We also recommend that you contact NeighborImpact Home Source Department 541-323-6567 for free financial counseling and credit review. 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. CAPTCHA