Follow this simple step-by-step check to see if your family is eligible to apply for Habitat's affordable homeownership program:

Step 1 — Family Composition

Do you have sole, joint, shared, or split custody of at least one child under 18 who lives with you?

• Yes → Continue to Step 2

• No → You must have at least one child under 18 to qualify for this program.

Step 2 — Where You Live

Do you currently live within the North Island catchment area?

• Yes → Continue to Step 3

• No → Applicants must currently live in the North Island catchment area.

Step 3 — Employment

Has at least one adult in your household worked full‑time for the past two years (or the equivalent in part‑time hours)?

• Yes → Continue to Step 4

• No → Stable employment for the past two years is required to qualify.

Step 4 — Income

Is your total household income between $55,000 and $87,800 (depending on family size)?

• Yes → Continue to Step 5

• No – below $55,000 → Your income must be at least $55,000 to qualify.

• No – above $87,800 → Your income must fall within the program’s income range.

Step 5 — Income Type

Is your income regular and ongoing (not Employment Insurance, Income Assistance, or other temporary/stop‑gap sources)?

• Yes → Continue to Step 6

• No → Habitat requires stable, ongoing income to ensure long‑term mortgage success.

Step 6 — Credit Score

Is your credit score 660 or higher?

• Yes → Continue to Step 7

• No → A credit score of 660+ is required to qualify.

Step 7 — Bankruptcy History

Have you avoided bankruptcy or a Consumer Proposal within the past two years?

• Yes → Continue to Step 8

• No → Habitat is unable to partner with families until they have had time to re-establish their credit following a bankruptcy or Consumer Proposal.

Step 8 — Willingness to Partner

Are you willing to complete 500 hours of volunteer work and participate in financial literacy training?

• Yes → You may qualify! If you answered “Yes” to all the steps above, your family may be eligible for Habitat’s Homeownership Program.

• No → A willingness to partner is required for all Habitat homeowners.

If You Didn’t Qualify

Even if you’re not eligible right now, you’re welcome to:

• Check back for future opportunities

• Explore community housing resources

• Learn more about Habitat’s work in your community

If you have any questions or are unsure if you qualify, contact our Family Services team at apply@habitatnorthisland.com.