Description:

Offers opportunity for home ownership to low-income families in Lake County. Offers interest-free mortgage to qualified families in exchange for "sweat equity". Families must participate in homeownership classes, financial education, and budgeting sessions. They must also commit to helping build or rehabilitate other homes in the community.

Eligibility:

- Must be a Lake County resident for at least two years and a legal U.S. resident

- Gross household income must be below 80% of the Area Median Income (AMI) based on family size

- Current housing must be substandard or inadequate (overcrowded, unsafe, or unaffordable), accessibility is needed, or family income is insufficient to afford a conventional mortgage

- Must have stable source of gross income that falls between 50-80% of the AMI based on household size

- Families must agree to contribute Sweat Equity for at least 500 hours of building Habitat homes, completing 40 weekly financial education classes, monthly budgeting sessions, and other homeowner education classes

**See website for full list of eligibility conditions

Languages:

Spanish

Program Fees:

No fee

Intake Process:

- Visit website for application, or pick up paper application during service hours
- Completed applications can be submitted in-person or mailed
- Applications are reviewed during application cycles throughout the year
- Families will be notified if they qualify or require further documentation

Documents Required:
- Credit Report Authorization
- Pay stubs
- Tax returns and W-2s
- Proof of other income

Contacts

Phone Numbers

Address Listings

Handicap Accessible?

No

Wishlist:

Accepts monetary donations online

Volunteer Opportunities:

1. Family Selection Committee - Assist at Homebuyer Informational Meeting

2. Family Services - Budget Counselor or Program Facilitator

Contact Name for Volunteer Opportunities: Eunice Bridges at 847-623-1020 ext. 121 or ebridges@habitatlc.org

Date of Official Change:

August 20, 2025

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