1.  How do I qualify for Habitat for Humanity?
You may be eligible if you have a need for housing, the ability to pay a 20-year, 0% interest mortgage, and a willingness to partner with us.  Please see our Criteria & Qualifications for more information. If you believe you may qualify, please contact us.

2. How long before I can purchase my own home?
The amount of time from selection to homeownership is normally 8-18 months.  During this time you will be working your “sweat equity” hours, attending homebuyer education classes and saving money for closing costs.

3.  How much is the downpayment?
Emporia Area Habitat requires no downpayment.  You are required to pay approximately $2,000 in closing costs at your mortgage signing, which includes the cost of 14 months of homeowner’s insurance and two months of property taxes to build up your escrow account. You will have the opportunity to save this amount monthly while you are in the program.

4.  What about my credit?
Emporia Area Habitat is willing to work with those whose credit is less than perfect.  We do not look at your credit score. We DO look at your debt-to-income ratio and your credit history. Any bankruptcy or foreclosure must have been discharged over 24 months ago. Emporia Area Habitat commits to working with you to meet financial requirements to become a homeowner.

5. What are the steps to buying a home?
The home-buying process through Wichita Habitat for Humanity has a few extra steps in order to qualify for our 0% interest mortgage; however, we follow all mortgage lending laws and make sure you understand each stage. To learn more about the process of buying a home and finding a conventional mortgage check out the Consumer Financial Protection Bureau’s Owning a Home website.

6.  Where does Emporia Habitat for Humanity build homes?
Emporia Area Habitat builds homes on lots that we own in Lyon County, Kansas.

7.  I’m homeless/about to lose my home, can you help me find a place to live right now?
No, our program is a long-term solution, not a quick fix. For immediate housing needs, contact the Emporia Rescue Mission (men) or Plumb Place (women). Our program can be a long-term solution after you address your current housing situation.