Habitat For Humanity Homeowner Enquiry

If you are interested in purchasing a Habitat Okanagan home, please fill out the below form to submit an enquiry.
Please note that this is a way to help determine if our homeownership program is the right fit for your family and is NOT AN APPLICATION for a home. If Habitat Okanagan feels that you have met the necessary criteria, further detailed information will be requested.
To read more about the homeownership program and qualifications please click here

I am currently interested in a home in

Lake CountryOther

General Eligibility Criteria
Please check the boxes below *

You and your co-applicant are Canadian citizens or permanent residents (3 years permanent residence in Canada)
You currently reside in the Okanagan and have lived here for the past two years
You have guardianship and primary care (50% custody) of at least one child under age 16, or an older child incapable of living on their own
Your TOTAL annual household income [includes employment income, Canada child benefits, other sustainable sources of income, meets BCHIL guidelines listed below:

Kelowna/Lake Country: between $49,500 - $75,000 Vernon/Lumby: between $40,000 - $50,000

Contact Information
* Indicates required field

Applicant First Name*

Applicant Last Name*

Co-Applicant First Name (person whose name would go on title along with applicant)

Co-Applicant Last Name (person whose name would go on title along with applicant)

Street Address*

City*

Province*

Postal Code*

Phone Number*

Email Address*

Homeownership Information
* Indicates required field

What is your current rent?*

Is any portion of this rental amount subsidized? If so, what is the actual amount that you pay?

Do you currently own or have an interest in a home, investment property or land anywhere in the world?*
YesNo

If yes, please explain:

Have you ever owned a home before?*
YesNo

If yes, please explain, detailing any foreclosure:

Size and Suitability

Matching families to homes is one of the challenges of our program. We follow the same criteria as BC Housing in determining a suitable size home for a family.

Children must have a separate bedroom from adults.
A maximum of two children may share a single bedroom.
Children sharing a bedroom must be the same gender.
At least one family member per bedroom.

Please list here the age and gender of each child who will be living in the home*

If two children of the same gender cannot share a bedroom, please specify the reason

Income Criteria

One of the three main criteria for the homeownership program is the ability to pay the mortgage and home maintenance costs. An applicant family MUST have a consistent, reliable source of income in order to qualify for a home. Your annual gross household income must not exceed the income range as determined by BC Housing for the size of home:

3-bedroom townhouse
Kelowna/Lake Country $49,500 - $75,000
Vernon/Lumby $40,000 - $50,000

Can you answer YES to the following questions?*

Applicant/s understand that they will be required to share their last three years of financial information with Habitat Okanagan
Applicant/s agree to a credit check

Have you or your co-applicant declared bankruptcy or had a consumer proposal?*
YesNo

Has this been discharged in the last three years?*
YesNoN/A

Please list your annual gross household income based on line 15000 on your income tax return (includes all adult income-earners who will be living in the home):*

Annual Canada child benefit amount:*

Other income (casual work, disability income, etc):

Please note that to qualify for a home we prefer to see less than 5% of your gross income amount owing on all credit cards

Total amount owing on all credit cards

Monthly payment:

Total amount owing on all vehicle lease/loans

Monthly payment:

Total amount owing on all other loans/lines of credit

Monthly payment:

Willingness to Partner

One of the three main criteria for Habitat Okanagan's homeownership program is willingness to partner. Once an applicant family is accepted to the homeownership program, they will be required to act as 'ambassadors' of Habitat Okanagan, which may include speaking to the press, having their family photographed for promotional material and attending public events. Becoming a Habitat Okanagan homeowner means that you are agreeing to partner with Habitat Okanagan on an ongoing basis for as long as you own the home.

Yes, my family is willing to

Act as 'ambassadors' of Habitat Okanagan, which may include speaking to the press, being photographed for promotional material and attending public events as required
Live in a complex with other families who may be from various ethnic, religious, and cultural backgrounds
Abide by all the rules, policies and criteria established by Habitat Okanagan in accordance with Habitat Canada and the CRA
Complete 500 volunteer hours within two years (equivalent to 6 hours a week volunteering with Habitat Okanagan)

Living in Need

One of the major criteria for selection into the homeownership program is that your family is living in need. This essentially means that, for a variety of possible reasons, your home is not suitable or is unsafe.

Some of the factors Habitat Okanagan uses to determine your level of need are (indicate all that apply):

You are paying more than 30% of your total gross (before tax) household income toward rentYour home requires major repairsMedical disabilities and general health conditions are stressed by current housing (mould, accessibility, etc)Overcrowding for the number of people in homeThe location of your home is not accessible to schools, shopping, and transportationYour neighbourhood is not considered safeNone of these apply

Anything else you would like to add?

General Eligibility Criteria Please check the boxes below *

Contact Information * Indicates required field

Homeownership Information * Indicates required field

Size and Suitability

Income Criteria

Willingness to Partner

Living in Need

General Eligibility Criteria
Please check the boxes below *

Contact Information
* Indicates required field

Homeownership Information
* Indicates required field