Homeownership Program


One wonderful aspect of Habitat for Humanity is that it builds more than houses—it builds homes, lives and community.  We  encourage people with inadequate housing and no way to buy a home on their own to apply.  We are looking for people who are serious about house payments, home maintenance and Habitat for Humanity.

The family selection process is impartial. HFHMC does not discriminate on the basis of race, sex, sexual orientation, age, handicap, religion, national origin, marital status, familial status, or because a family’s income is derived wholly or in part from public assistance programs.

There is currently one 2-3 bedroom. 1 bath, 1025 square foot house located in Cortez for a new homeowner.  

Applying:  Anyone interested in the above home or becoming a Habitat for Humanity of Montezuma homeowner should call 565-8312 ASAP.  Deadline for applications to be returned is Aug. 24th 2015. Applicants must be living in Montezuma County for 1 year and have income that falls within range below.

Criteria for Selection  The three criteria used for selection Partner Homeowners are as follows:

  • Need for adequate housing; some examples: Overcrowded conditions, Deteriorated building conditions, Over 30% of income used for housing cost
  • Abily to pay the homes expenses (see below)
  • Willingness to partner with Habitat for Humanity by putting in 200 hours per applicant for (sweat equity) toward building a home, attending workshops, and partnering with Habitat to share in the work of the organization.

Income Guidelines – These guidelines are one of the factors in determining the families ability to pay back the no interest mortage and other household expenses, while ensuring that our program is a program for low income families not served through other homeownership opportunities.   These guidelines are based on the 2015 HUD Median Income data. The HUD 30% -60% range of Median Income was used as the Habitat for Humanity guidelines.

Household Size      Minimum and Maximum Income
Two                                    $15,930 – $29,150
Three                                 $20,090 – $32,800
Four                                   $24,250 – $36,400
Five                                    $28,410 – $39,450
Six                                      $32,570 – $42,250
Seven                                $36,730 – $45,150
Eight                                 $40,100 – $48,100

Selection Process  – Application forms can be obtained by attending an Applicant Information Session or calling the office.  Call and make an appointment to turn in your completed forms and documentation by the established deadline.  A $20 credit check fee must accompany the application forms.  The application will be evaluated according the the established criteria and if you meet financial requirements and are willing to partner with Habitat, someone from the Homeowner Selection Committee will call to schedule a home visit with your family.  The Homeowner Selection Committee will meet after all the family visits have been completed.  They will assess all applicants and recommend households to the Board of Directors for final approval.  One this is completed the applicants will be notified.  This process may take up to 3 months.