Eligibility Questionnaire | North Willamette Valley Habitat for Humanity

Are you a legal resident of the U.S.? *

Yes

Have you lived or worked within our Service Area (Silverton/Mt. Angel/Woodburn/Gervais/Hubbard/Molalla/Canby) for one or more years? *

Yes

Do you have proof of work history and income for the past 2 years? *

This can be shown in pay stubs or the previous year’s tax return.

Yes

Have you had a bankruptcy, a foreclosure or major repossessions in the past 2 years? *

Yes

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 40-70% of the county median annual income. Click here to check if your household income is within these guidelines.

Yes

Is your short term debt-to-income ratio below 15%? If not sure, use this DTI Calculator Tool 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 repayments (even deferred school loans), child support/alimony payments, car payments, loans, past due accounts. Does not include rent, or home insurance.

Yes

Do you have a credit score of 620 and above? *

Yes

Do you have any liens or collections? *

Yes

Math question * 1 + 1 =