Making a difference in our community


Home Ownership: Criteria


The following pertains only to families applying for home ownership in the City of Portage la Prairie. We are currently accepting applications. 

 

Family selection is based on 3 principles: need, ability to pay, and willingness to partner.

Habitat for Humanity Manitoba reserves the right to make the final decision for acceptance on all applications. The following criteria are applied to determine eligibility:


  1. The applicant must be employed for a minimum of the past two years in the community in which the house will be built.

  2. Must be a Canadian Citizen or Permanent Resident of Canada.

  3. Must not be receiving income from Employment & Income Assistance (social assistance).

  4. Must be ready to live where Habitat is building in the community.

  5. Must be willing to complete sweat equity hours prior to house possession (500 hours for two parent family; 350 hours for one parent family).

  6. Preference will be given to families with young children.

  7. Present housing must be at least one of the following: too expensive, too small, unsafe, or substandard; applicants cannot currently own a house.

  8. Prepared to purchase a home at market value and able to commit to a mortgage. Monthly mortgage payments (which include property taxes) are 25% of total family income as defined on line 150 of the Canada Revenue Agency (CRA) Notice of Assessment.

  9. Total family income as defined on line 150 of the CRA Notice of Assessment must be within the range as set out in the following table:


  1. Must be willing to provide the most recent CRA Notice of Assessment, as well as consent for Habitat to contact references from employer, landlord, and 2 other people who know the family well.

  2. Must consent to a credit check.

  3. Must be at least 3 years since a bankruptcy has been discharged.


Selected families enter into a partnership agreement with HFHW by signing a contract. Once the sweat equity requirement is completed and the house is built, the family signs an offer to purchase the home.

 

For more information on becoming a Habitat Homeowner, please complete an application available at the Family Resource Centre (234 Princess Avenue) or contact: Heather Fast heafast@gmail.com