We are accepting applications for our 2023 Build Season!
The time is now to apply for 2023.
Step 1: Meet with Cheri, our Family Services Coordinator. See below for how to connect with Cheri.
Step 2: Gather documents to complete your Habitat application and your application for financing with USDA Rural Development. You must have your documents turned in to Habitat and Rural Development for the 2023 build by September 1, 2022.
We choose households on three main criteria:
1. Need for Housing – your current housing is inadequate in some way or you’re paying too much of your income for rent.
2. Ability to Pay – you must be able to pay a mortgage that includes principal, interest, taxes and insurance. Your household income needs to be at least $30,000/annually and not more than $69,150 which is 35-80 percent of Area Median Income (AMI). Even if your income is in that range, you are not guaranteed to be selected for our program. We also review your credit. If you’d like a free credit report the most reliable place to get it is annualcreditreport.com. At this site you can get a one report each from Experian, Transunion and Equifax (the three credit bureaus). It’s a good idea to check your credit report regularly!! Let us know if we can help you.
3. Willingness to Partner – our families aren’t customers or clients – they are our partners! You must be willing to contribute hours of sweat equity (time building your home) and be ambassadors of our program.
Are you ready to apply to Habitat?
Sign up to talk with Cheri, our Family Services Coordinator, HERE. She’ll explain to you the process and the next steps to move forward with home-ownership with Rice County Habitat for Humanity.
Rice County Habitat for Humanity will take appropriate steps to ensure that persons with disabilities, including persons who are deaf, hard of hearing, or blind, or who have other sensory or manual impairments, have an equal opportunity to participate in our programs.
Are you hearing impaired? We have interpreters that can assist at an in-person Informational Meeting. Please indicate to Habitat staff that you need an interpreter. You can send Cheri a message here: send her a message.
Rice County Habitat for Humanity will take reasonable steps to ensure that persons with Limited English Proficiency (LEP) have meaningful access and an equal opportunity to participate in our programs.
Do you need an interpreter? Contact Cheri through this LINK and request one.
Habraatka Rice County Habitat ee Xuquuqul Insaanka ayaa qaadi doonta tillaabooyin macquul ah oo lagu hubinayo in dadka leh Aqoonta Ingiriisiga Xaddidan leh (LEP) ay leeyihiin marinno macno leh iyo fursad loo wada siman yahay oo looga qaybgalo barnaamijyadayada. Wac Sabaax, (507) 316-0610
Hábitat para la Humanidad del Condado de Rice tomará medidas razonables para garantizar que las personas con dominio limitado del inglés (LEP) tengan un acceso significativo y una igualdad de oportunidades para participar en nuestros programas.
Llama a Joann a Three Rivers, (507) 316-0610
Loans May Have Interest
In November 2015, the Rice County Habitat for Humanity Board of Directors passed a policy that states every family that applies with us must also apply to the US Department of Agriculture Rural Development 502 Director Loan program. This loan program includes an interest payment. If approved with the Rural Development program, the household may use that interest bearing loan to finance a home with Habitat for Humanity if approved. You must be willing to utilize this loan with interest. Read more ….
How much can you afford? It is considered affordable if you pay no more than 30% of your gross income for housing. Find out what is considered affordable to you based on your wages.
Other factors: all household members must be documented residents; you must currently live in Rice County and have lived here for at least one year or have worked in Rice County for at least 1 year.
Do you have Pay Day Loans?
Pay Day Loans can lead to a debt trap that you can’t escape from. If you need help, please reach out to Exodus Lending – a resource to help Minnesotans! Rice County Habitat for Humanity does not officially endorse or partner with Exodus Lending. We’re just providing the information to readers as a resource.
Do you need to consolidate your debt and get your debt under control? Lutheran Social Services can help. Contact them for debt consolidation or student loan debt.
HomeTown Credit Union offers a variety of on-line classes or in person assistance to help you get your finances under control. Contact Kurt Halverson, 507-455-6726 or click HERE.
Ruth’s House of Hope, 507-332-2236
Ruth’s House provides transitional housing in a safe, supportive and healing environment to help women and families on their way to a new beginning.
Hope Center, 507-332-0882 or call the Safe Line, 1-800-607-2330
The mission of HOPE Center is to create zero tolerance for sexual and domestic violence through Healing, Outreach, Prevention and Education. Through innovative programming, we offer direct support to victims of violence in Rice County, collaborative support to other organizations that serve victims, and educational support to the entire community.
Northfield Community Action Center, 507-664-3550
Our core programming and resources serve to promote a healthy, caring and just community.