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Lincoln Habitat for Humanity Admin Office

(402) 464-0010

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Habitat Homeownership

Homeownership Application Form

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Required Documents Before Starting Your Application & Notice of Application Fee

To complete and submit this application, required documents must be uploaded during the process. Please have all required Identification, Income Verification, Tax Documents, and Banking/Financial Documents ready before starting the application. View the complete list of required documents here.

After submitting this application form, you will be redirected to a secure payment page to complete the required application fee of $30 per applicant. Please note that applications will not be reviewed or processed until payment has been successfully submitted.

Applicant Information

Are you applying individually or with a co-applicant?

Applicant

Name
Marital Status
Citizen?
Legal Permanent Resident?
Address

Interpreter Information

Do you need an interpreter?

Demographic Disclosure

PLEASE READ THIS STATEMENT BEFORE COMPLETING THE PAGE BELOW: We are requesting the following information to monitor our compliance with the Federal Equal Opportunity Act, which prohibits unlawful discrimination. You are not required to provide this information, however, your responses to these questions help Habitat for Humanity advance its mission. We will not take this information (or your decision not to provide this information) into account in connection with your application or credit transaction. The law provides that a creditor may not discriminate based on this information or based on whether you choose to provide it. If you choose not to provide this information, we may note it by visual observation or surname.

Applicant

Applicant Demographic Disclosure
Race
Ethnicity
Gender Identity
Marital Status
Immigrant or Non-U.S. Born
U.S. Armed Services Veteran
Disabled

Household Member Information (Including Applicant/Co-Applicant)

Select the total number of individuals living in your household, including yourself. Once selected, you’ll be asked to provide a few details for each household member below.

Present Housing Information/Conditions/Needs

Are you currently: (please check one)
If you rent, do you receive a monthly housing subsidy?
Other rooms in the place where you now live: (please check one)
Are you or anyone in your household disabled or physically challenged and need a home that can accommodate a wheelchair or other mobility device?
(Please note: This question will not influence application approval or denial.)

Employment Information

Applicant

NOTE: If you have been working at your job for less than two years, complete the following information.

Do you have a second job?
Are you self-employed?

NOTE: If you are self-employed, you will be required to provide additional documents like Profit and Loss statements.

Household Member Employment

(if applicable, only for anyone over the age of 18 years old)

Other Monthly Income Received

Income Source

Monthly Income Amount

Name of Recipient(s)

TANF

Alimony

Child Support

Social Security

SSI / SSDI

Disability

Housing Voucher

Unemployment

VA Compensation

Retirement / Pension

Military Entitlement

Liabilities & Expenses - To Whom Do You Owe Money?

Account

Applicant - Paid Monthly / Unpaid Balance

Auto Loan

/

Installment

/

Lease

/

Alimony

/

Child Support

/

Revolving (credit card)

/

Student Loan Debt

/

Medical Debt

/

Monthly Expenses

Account

Applicant

Rent

Utilities

Insurance

Childcare

Cell Phone

Transportation (gas, bus pass, etc.)

Food / Essential Supplies

Other

Banking Information

Applicant

Estimated Balance

Checking Account

Savings Account

401K / Retirement

Other

Will you be able to pay the down payment?

Declarations

Please select the choice that best answers the following questions for you and the co-applicant.

Applicant

Are there any outstanding judgements because of a court decision against you?
Have you declared bankruptcy within the past seven (7) years?
Have you had any property foreclosed upon in the past seven (7) years?
Are you party to a lawsuit in which you potentially have any personal financial liability?
Have you conveyed title to any property in lieu of foreclosure or completed a pre-foreclosure sale of short sale (where the lender agreed to accept less than the outstanding mortgage balance due) within the past seven (7) years?
Are you currently delinquent or in default on any federal debt of any other loan, mortgage financial obligation or loan guarantee?
Are you a co-signer or guarantor on any loan debt that is not disclosed on this application?

Required Documents

Identification

Drag & Drop Files, Choose Files to Upload You can upload up to 50 files.
Drag & Drop Files, Choose Files to Upload You can upload up to 50 files.
If you have an ITIN and have applied for Permanent Residency, please provide a copy of this application (I-485)
Drag & Drop Files, Choose Files to Upload You can upload up to 50 files.

Income

Drag & Drop Files, Choose Files to Upload You can upload up to 50 files.
60 days of most recent consecutive paystubs
Drag & Drop Files, Choose Files to Upload You can upload up to 50 files.
This documentation must be in the form of official government or agency-issued verification.

To obtain proof of income for Social Security benefits: socialsecurity.gov or call 1-800-772-1213.

To obtain proof of income for Child Support in Nebraska: childsupport.nebraska.gov or call 1-877-631-9973.

Tax Documents

Drag & Drop Files, Choose Files to Upload You can upload up to 50 files.
This transcript combines all your W2s and 1099s into one document.

Note: We can no longer accept W2 forms. Please retrieve your Wage and Income Transcripts at https://www.irs.gov/individuals/get-transcript
Drag & Drop Files, Choose Files to Upload You can upload up to 50 files.
This transcript combines the forms you have filled out and filed annually by April 15th to show the government how much money you have earned and how much tax you paid for the previous year.

Note: We can no longer accept 1040 tax forms. Please retrieve your Tax Return Transcripts at https://www.irs.gov/individuals/get-transcript

Bank Statements

Drag & Drop Files, Choose Files to Upload You can upload up to 50 files.
Complete bank-issued statement with bank name and information, account holder name and information, account number, transactions, and balance
Drag & Drop Files, Choose Files to Upload You can upload up to 50 files.

Equal Credit Opportunity Act Notice

The Federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status or age (provided the applicant has the capacity to enter into a binding contract); because all or part of the applicant’s income derives from any public assistance program; or because the applicant has in good faith exercised any right under the Consumer Credit Protection Act. The federal agency that monitors compliance with this law concerning this company is the Federal Trade Commission, with the offices at the Midwest Region, 55 West Monroe St., Suite 1825, Chicago, IL 6060, or Federal Trade Commission, Equal Credit Opportunity, Washington, DC 20580. You need not disclose income from alimony, child support, or separate maintenance payment if you choose not to do so. However, because we operate a Special Purpose Credit Program, we may request and require, in order to determine an applicant’s eligibility for the program and the affordable mortgage amount, information regarding the applicant’s marital status, alimony, child support and separate maintenance income, and the spouse’s financial resources. Accordingly, if you receive income from these sources and do not provide this information with your application, your application will be considered incomplete, and we will be unable to invite you to participate in the Habitat program.

Applicant(s):

Clear Signature

Zero Income and/or Unemployed Certification

Signature is only required if it applies to you

In connection with Habitat for Humanity of Lincoln’s Homeownership Program. I certify that I collect zero income. This income includes wages from employment, income from operation of a business, rental income, unemployment, disability, public assistance, child support, social security payments, Veteran’s benefits, and any other source not name above.
I am currently unemployed and DO NOT receive unemployment benefits. I certify that the information presented above is true and accurate. I understand that providing false representations herein may constitute an act of fraud. I acknowledge the information provided being used for the specific purpose of determining whether my household is eligible for Habitat for Humanity of Lincoln’s Homeownership Program.
Clear Signature

Authorization and Release

I understand that by filling out this application, I am authorizing Habitat for Humanity of Lincoln and Habitat Omaha Affordable Mortgage Services (HOAMS) to evaluate my actual need for the Habitat homeownership program, my ability to repay an affordable loan and other expenses of homeownership, and my willingness to be a partner through sweat equity. I understand that the evaluation will include a personal visit, credit checks, and employment verification. I give my permission for the release of this information from credit reporting agencies. Debt Collection Agencies (e.g: MCA, GSB, CFC, etc.) and any other pertinent company or organization to Habitat for Humanity of Lincoln and Habitat Omaha Affordable Mortgage Services (HOAMS).
I have answered all the questions on this application truthfully. I understand that if I have not answered the questions truthfully, my application will be denied, and that even if I have already been selected to receive a Habitat home, I may be disqualified from the program. The original or a copy of this application will be retained by Habitat for Humanity of Lincoln even if the application is not approved.
If this application is created as a (or converted into) and “electronic application”, I consent to the use of “electronic records” and “electronic signatures” as the terms are defined in and governed by applicable federal and/or state electronic transaction laws. I intend to sign and have signed this application either using my (a) electronic signature or (b) a written signature and agree that if a paper version of this application is converted into an electronic application, the application will be an electronic record and the representation of my written signature on this application will be my binding electronic signature.
I also understand that Habitat for Humanity of Lincoln screens all Applicants on the sex offender registry and completes a criminal background check. By completing this application, I am authorizing the criminal background check and sex offender registry check.

Applicant(s):

Clear Signature

Right to Receive Copy of Appraisal

This is to notify you that if you qualify for the homeownership program and complete the program requirements, we may order an appraisal to determine the value of a home that you may be eligible to purchase, and we may charge you for this appraisal. Upon completion of the appraisal, we will promptly provide a copy to you, even if the loan does not close.

Referral Information

Have you applied for Habitat for Humanity of Lincoln’s Homeownership Program in the past?
How did you hear about Habitat Lincoln’s Homeownership Program? (Please check all that apply)

Additional Information

This space is available for additional information if needed or you may attach an additional piece of paper. Please mark your additional comments with an “A” for applicant or “C” for co-applicant and note the section number(s) for which you are providing the information. Thank you.

Marriage Status and How It Affects the Purchase of a House

Married

If you are married, each spouse has an interest (ownership) in the property and is required to sign mortgage documents. If you decide to sell the home, both spouses will need to sign sale documents. If you are married and plan on purchasing a house without your spouse, the above is still true (even if the spouse does not plan on living in the home or paying any portion of the mortgage).

Separated

If you are separated--including legal separation-- you are still considered married as it relates to property law. This means that your spouse will have an interest (ownership) in any property you purchase and will be required to sign mortgage and sale documents. If you are separated and plan on getting a divorce- Habitat for Humanity of Lincoln strongly recommends you move through these proceedings before applying to our program.

Divorced

If you are legally divorced, you must wait 30 days after the decree before signing any mortgage documents. After the 30-day period, you are seen as single in the eyes of the law and may purchase a home on your own. If you are in the process of divorce, but it has not been finalized, any closing documents will also require your spouse’s signature. If you are planning on getting a divorce, Habitat Lincoln strongly recommends you move through these proceedings before applying to our program.

Purchasing a Home with Your Adult Child

If you are considering purchasing a home with one of your adult children as a co-applicant, please remember this is a 30-year loan. If this child decides to leave the house you purchased together before the loan is paid in full, they will remain on the loan. If they attempt to purchase a home on their own, they may not be able to get additional financing to do so.

All information you include in this application will be maintained in accordance with our privacy policy

Electronic Communications Consent (E-SIGN Disclosure)

Lincoln/Lancaster County Habitat for Humanity uses electronic communications to provide disclosures, notices, updates, and account information.

Please review our E-SIGN Disclosure and Agreement before continuing.
E-SIGN Disclosure Opt-In

Application Fee

After submitting this application form, you will be redirected to a secure payment page to complete the required application fee of $30 per applicant. Please note that applications will not be reviewed or processed until payment has been successfully submitted.