Housing – Application window CLOSED
Greater Keokuk Area Habitat for Humanity (GKAHFH) builds homes using volunteer labor and local resources, and sells them to qualified home buyer families with 0% interest mortgages, at no profit. Future Habitat homeowners are determined by their completed applications that include verification of employment, bank balances, public assistance, rental history, and credit references. Applicant information is confidential. Habitat homes are completed from 12-24 months after the family is selected. The completion date can vary depending on Habitat’s fundraising success, volunteer availability, and home buyer family’s readiness. Habitat cannot guarantee we will be able to build in the neighborhood of buyers’ choice. Location depends on the cost and availability of lots.
How can I apply to become a Home Buyer Family? Habitat for Humanity encourages anyone who can truthfully answer “yes” to the following four questions to consider applying to become a home buyer family. However, answering “yes” to these questions does not guarantee you will qualify or be selected.
1. Have you lived or worked in Lee County, Iowa for the past twelve months?
2. Do you have a need for adequate housing? Need for adequate housing may be characterized by the following:
-Monthly payments that are too high
-Housing that is too small
-Housing that is unsafe
-Housing that is in disrepair
-Inability to qualify for other mortgage financing or homeownership programs
-Total household earnings at or below 60% of HUD’s area median income
3. Do you have finacial stability? This may be characterized by the following:
-Proven ability to regularly pay bills on time
-No bankruptcies in the last 36 months
-No outstanding liens and judgments
-You will allow GKAHFH to verify your income, debt and credit history
-Existing debt plus estimated monthly housing cost is less than 40% of gross monthly income
-U.S. citizenship or permanent residency
4. Are you willing to partner with Greater Keokuk Area Habitat for Humanity?
This may be characterized by the following:
-Willingness to volunteer up to 200 hours of your time to GKAHFH
-Willingness to have your family’s name and new house location shared with the public, and your pictures used for publicity
-Willingness to attend homebuyer and homeowner education programs, such as budgeting and maintenance
How Do I Apply? If you can answer yes to those four questions call, text, or email for an application. Applications are also available at the Keokuk Public Library!
Greater Keokuk Area Habitat for Humanity
P.O. Box 314
Keokuk, IA 52632
Phone: 319-382-5351
greaterkeokukhabitat@gmail.com
Repair – Application window OPEN
Greater Keokuk Area Habitat for Humanity has a program for low income OWNER OCCUPIED home repair that includes minor repairs, wheel chair ramps and painting or staining.
To qualify for the program, families must:
1. Meet income guidelines
2. Have a need for assistance
3. Be willing to parner with Habitat to assist with the project when possible
4. Own the home and be living in it
5. Have current homeowner’s insurance
How Do I Apply? Call, text, or email for an application or stop by the Keokuk Public Library
Greater Keokuk Area Habitat for Humanity
P.O. Box 314
Keokuk, IA 52632
Phone: 319-382-5351
greaterkeokukhabitat@gmail.com
HFHCI’s process is governed by equal opportunity housing and lending laws. The Fair Housing Act of 1968 prohibits denying anyone housing on the basis of race, sex, creed, marital status, color or national origin and those factors are not used.
