How We Work
Everyone Deserves a Decent and Affordable Place to Call Home
Habitat for Humanity of San Angelo works alongside individuals and families who need safe, decent and affordable housing. We welcome people from all backgrounds, faiths and walks of life.
Habitat homeowners do not receive a free home. Qualified applicants partner with Habitat for Humanity throughout the application, education and homebuilding process. Approved homeowners purchase their homes through an affordable mortgage and help make future Habitat homes possible.
Do You Qualify for a Habitat Home?
To qualify as a Habitat homeowner, an applicant must meet three basic criteria:
- A need for shelter
- An ability to pay for shelter
- A willingness to partner with Habitat for Humanity of San Angelo
1. Need for Shelter
If you are currently renting or have not been able to purchase a home, you may have a qualifying need for shelter.
Your housing situation may demonstrate a need if:
- You do not currently own a home.
- You are unable to obtain a traditional home loan because your income is too low or your credit history is unstable.
- You are experiencing problems with your current housing situation.
- More than 30% of your monthly income is being used for housing expenses.
- Your current home is overcrowded.
- Your current home has structural, electrical or plumbing problems.
2. Ability to Pay for Shelter
Habitat homeowners must be financially able to make an affordable monthly house payment and manage the ongoing expenses of homeownership.
Applicants must meet the following requirements:
- You must have lived in San Angelo for at least 12 consecutive months.
- You must provide requested paperwork and references that verify your ability to make house payments and utility payments.
- You must demonstrate the ability to budget for home maintenance and repairs.
- You must have been employed at your current job for at least 12 months.
- Your household income must fall within the applicable income guidelines.
Household Income Guidelines
Household income requirements are based on the total number of people living in the household.
| Family Size | Minimum Income | Target Income | Maximum Income |
|---|---|---|---|
| 1 | $18,900 | $37,800 | $50,350 |
| 2 | $21,640 | $43,200 | $57,550 |
| 3 | $27,320 | $48,600 | $64,750 |
| 4 | $33,000 | $53,940 | $71,900 |
| 5 | $38,680 | $58,260 | $77,700 |
| 6 | $44,360 | $62,580 | $83,450 |
| 7 | $50,040 | $66,900 | $89,200 |
| 8 | $55,720 | $71,220 | $94,950 |
Meeting the income guidelines does not guarantee approval. Habitat for Humanity of San Angelo will review each applicant’s complete financial situation, documentation and ability to manage the expenses of homeownership.
3. Willingness to Partner
Habitat homeowners work in partnership with Habitat for Humanity throughout the application and homebuilding process.
Applicants must be willing to:
- Complete the application process in a timely, accurate and honest manner.
- Provide all requested documents and information.
- Participate in required homeowner education sessions.
- Partner with Habitat for Humanity throughout the homebuilding process.
The Application Process
Habitat for Humanity of San Angelo accepts homeowner applications during designated application periods. People who have requested information will be notified when the next application period begins.
After an application has been submitted, Habitat for Humanity will review the information and contact applicants who may qualify with additional instructions.
Applicants should be prepared to provide income documentation, employment information, housing information, financial records and references as part of the evaluation process.
Request an Application
If you believe you meet these basic qualifications, please contact Habitat for Humanity of San Angelo to request a full application.
Phone: 325-655-7535
Office:
Habitat for Humanity of San Angelo
401 North Chadbourne Street
San Angelo, TX 76903