Habitat for Humanity
Veteran's Build

Thank You For Your Service

Habitat for Humanity hopes to make a difference in the lives of a local military family. In gratitude for service, special consideration will be given to our military applicants, including being exempt from having to be a first-time homeowner. With an affordable zero percent interest mortgage, and payment(s) designed to not exceed 30% of owners income, Habitat can make the dream of homeownership a reality.

The application period is active now until November 20, 2020


  • Active Military or Veteran status (to include Honorable Discharge, Reserves or National Guard) and Families of the Fallen
  • Need for affordable housing
  • Willingness to partner with Habitat for Humanity
  • Ability to pay– applicant(s) must meet income guidelines and be able to make monthly mortgage payments
  • (See more details below)

Are you a veteran, active military member or surviving spouse who is in need of safe, affordable housing?

Habitat is seeking veteran or military family applicants for our upcoming 2020-2021 build. Find out if you qualify to purchase an affordable, zero interest Habitat home.


Your current housing is not adequate:

  • Unsafe conditions
  • Non functioning heat, plumbing or electrical due to lack of repair
  • Structural issues such as leaky roof, rotten floor boards, broken windows, etc.
  • Overcrowded—not enough bedrooms for family size or living with another family
  • Too expensive—you pay more than 30% of your gross income for your current housing

Other Requirements

  • Must live or work in our 5 county service area of Chippewa, Kandiyohi, Renville, Swift, Meeker & the city of Cokato for at least the past 12 months. 
  • Must agree to submit to a criminal background check. 
  • Must agree to submit to a sex offender registry check. 

Ability to Pay

  • Must have a minimum annual income of $25,000, and not exceed maximum income guidelines as detailed below
  • Must have had (and still have) a stable source of income for the past 24 months, including a current employer you have been with for a minimum of the past 12 months. 
  • Must have enough income to pay monthly mortgage payments, property taxes, and    insurance. 
  • Must have enough income to pay other bills such as electric, phone, and other reoccurring debts you may have (credit card, car payment, etc.)  
  • A credit report will be conducted on the final candidates. Perfect credit is not required, but an established, consistent record of payments is. 
  • No Judgements & Liens in the last 2 years, and all beyond then are paid in full. 
  • Any Chapter 7 Bankruptcies must be 3 years from discharge date with no delinquencies in last 2 years. 
  • Any Chapter 13 Bankruptcies must be 1 year from discharge date, no delinquencies. 
  • Applicants must be US Citizens or have     Permanent Residency Status. 

Willingness to Partner

Willingness to Partner includes but is not limited to being willing to: 

  • Submit forms promptly during both the application period and loan application period. 
  • Participate in a home visit conducted by members of Habitat’s family selection committee.     
  • Sign the Partnership Agreement with Habitat,  and agree to meet certain benchmarks and requirements during the “partnership period” and until loan closing. 
  • Attend and participate in “Homeowner Classes” that teach financial management, home maintenance, and other homeownership topics that will help lead to a successful homeownership experience. 
  • Willing to fulfill complete determined volunteer hours by working to build your home, work on other homes and in the ReStore. 
  • Save up for closing costs. 

Equal Housing Opportunity Lender
We are pledged to the letter and spirit of U.S. policy for the achievement of equal housing opportunity throughout the nation. We encourage and support an affirmative advertising and marketing program in which there are no barriers to obtaining housing because of race, color, national origin, religion, gender, age, disability, familial status, marital status, or receipt of public assistance.

Sources of Income Include:

  • Employment (to include self employment)
  • Cash Assistance: GA
  • Social Security/Disability/SSI
  • Child Support

Maximum Gross Income Limits per Household

Applicants must have a minimum annual income of $25,000, and not exceed maximum income guidelines as detailed below.

County 1 Person Household 2 Person Household 3 Person Household 4 Person Household 5 Person Household 6 Person Household 7 Person Household 8 Person Household
Chippewa $41,100 $46,950 $52,800 $58,650 $63,350 $68,050 $72,750 $77,450
Kandiyohi $41,100 $47,000 $52,850 $58,700 $63,400 $68,100 $72,800 $77,500
Meeker $42,950 $49,100 $55,250 $61,350 $66,300 $71,200 $76,100 $81,000
Renville $41,100 $46,950 $52,800 $58,650 $63,350 $68,050 $72,270 $77,250
Swift $40,700 $46,500 $52,300 $58,100 $62,750 $67,400 $72,050 $76,700

Those interested may obtain an application at the Habitat office located at 2424 1st St S in Willmar or by calling 320-231-2704 or toll free 877-926-6434 
Office hours are Tuesday – Friday  9:00 am – 4:00 pm
Email: hfhwcm@habitatwcm.org