Eligibility

1. Do you fit within the current income guidelines for your family size?*

Yes
No

Each year the Income Guidelines are revised (based on Housing and Urban Development research) and we use a range of 30-80% of the county median annual income. Click here to check if your household income is within these guidelines.

2. Do you have a credit score of 620 and above or have an ability to raise your credit score to 640 within 1-2 years?*

Yes
No

If “NO” answer: We recommend that you begin credit counseling to increase your credit score. You can get a free credit report once a year at Annual Credit Report. Credit scores determine your credit worthiness for obtaining a mortgage loan. Generally, the better your credit ranking, the more likely it is you will be able to secure a loan with favorable terms.

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

Yes
No

Although we consider income of all household members, the income of the applicant with legal residency must financially qualify the household (in case the non-resident is required to be out of the country for a period of time). However, total household income must also fit within the income guidelines per family size.

4. Do you have a bankruptcy that has not been discharged/dismissed for 36 months?*

Yes
No

If a household has gone through a bankruptcy, the bankruptcy must have been discharged for a minimum of 36 months prior to submitting a partnership application and the household must be able to demonstrate a pattern of improved management and payment of debt.

5. Have you filed a foreclosure as recently as three years?*

Yes
No

A foreclosure must have been completed three or more years prior to submitting an application to Tillamook Habitat and the household must be able to demonstrate a pattern or improved management and payment of debt.

6. Do you have a 2 year history income?*

Yes
No

7. Have you lived or worked within Tillamook County for one or more years?*

Yes
No

Tillamook County Habitat for Humanity requires that you have already established residency for at least a year or are working full-time yet commuting due to a lack of housing.

8. Do you have any liens or collections?*

Yes
No

(*Prior liens and collection must be paid off in full for at least 12 months)

Ineligible - Based on your responses, you may not be eligible for the Tillamook Habitat Housing Partnership Program. We encourage you to come back next year, after setting goals toward homeownership and working with credit coaches.

Eligible – Based on your responses, you may be eligible for the Tillamook Habitat Housing Partnership Program. Your actual income and other factors will be evaluated once your complete application, including supporting documentation, has been submitted. By clicking on the "Sign up" button below, you agree to be notified of the next Housing information session (first step in the process) Please check our schedule for dates.

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Eligibility

Housing Information Sessions