Applications for 2021-2022 Homeownership Program is Closed.

Housing Applications are unavailable at this time.

Visit our website for updates of when we will take applications for Homeownership.

ITEMS NEEDED WITH EVERY APPLICATION:

1.  Florida Drivers License for applicant/co-applicant
2.  Current Credit Report  for applicant/co-applicant

To view your credit score and credit report for free go to www.creditkarma.com 
3.  Proof of Employment or Proof of Income

RETURN APPLICATIONS TO:

3550 RECKER HIGHWAY, WINTER HAVEN, FL 33880

No phone calls please. You must provide your own copies, no original documents will be permitted.

ARE YOU READY FOR STABILITY, SECURITY AND THE RESPONSIBILITY OF HOME OWNERSHIP ?

DISCOVER YOUR OPPORTUNITIES…
BUILD A NEW LIFE, MAKE NEW FRIENDSHIPS, SEE GOD’S BLESSINGS FOR YOU IN A HABITAT HOME.

WE PROVIDE FUTURE HOMEOWNERS WITH A HAND UP,  NOT A HAND OUT

LET US PARTNER TO BUILD A SAFE, DECENT, AFFORDABLE HOME FOR YOU AND  YOUR FAMILY.

TOGETHER WE CAN BUILD HOPE FOR TOMORROW !

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Below is a list of the Minimum requirements for application consideration.  There is a minimum credit score of 550. To view your credit score and credit report for free go to www.creditkarma.com 

*Be a citizen or legal immigrant of the U.S. AND Reside in Polk County for at least one (1) year.

*Be verifiable unable to obtain conventional home mortgaging

*Currently maintain employment for a minimum of six (6) months.

*Live presently in over-crowded, unsanitary or unsafe circumstances.

*Disclose all incomes, employment and financial obligations.

*Supply a Credit Report and Credit Score, be free of foreclosure, repossessions and defaults for a minimum of three (3) years prior to application.

INCOMPLETE APPLICATION PACKETS WILL NOT BE ADMISSIBLE.

****BE SURE TO PROVIDE THE MOST CURRENT MAILING ADDRESS IF CHANGED PRIOR TO APPROVAL.****