Otsego County Habitat for Humanity, Inc.
  • HOME
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      • Qualifying for A Brush With Kindness Project
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  • Contact Us


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​Building strength, stability and
​self-reliance through shelter.

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These income guidelines are in effect until June 6, 2021. 

How Do I Qualify for an Otsego County Habitat for Humanity House? 

Otsego County Habitat for Humanity (OCHFH) builds simple, decent, affordable homes in partnership with those who need a better place to live, who would like to purchase their home but are unable to qualify for a traditional home mortgage. You should be ready to accept the responsibility of being a homeowner.

To be eligible to apply for a Habitat home, you must be a U.S. citizen or a permanent legal resident and cannot already own a home. If you can answer yes to those three questions, you may qualify to own a Habitat home. If it any point you feel that you would not qualify for a Habitat home we may be able to refer you to another program. Please call us at (989) 732-6070. 

Please note that when building is completed and an occupancy permit issued, homes are sold NOT given to the partner family. The partner family will pay a monthly mortgage payment that includes taxes and insurance for 20-30 years.

Habitat families are selected based on the following criteria listed below. 

1. Ability to Pay - The future home owner partner must meet all of these conditions for consideration into our housing program:
     ⌂  Debt-To-Income ratio is 30% / 43% (this is to protect the buyer so that they will have income to afford
          other common living expenses after meeting the monthly mortgage obligation). 

     ⌂  Possess solid credit history with satisfactory payment of debts.
     
⌂  Be able to meet the terms of grant funding, and be able to place a deposit on the house.                                         2. Need (The partner family must meet at least one condition under "Need"):
     ⌂  You were unable to obtain adequate housing through conventional means of a bank or government loan.
     ⌂  Your present housing is unsafe, in disrepair, or is not adaptable for disabled persons.
     ⌂  You cannot already own your home and have no permanent housing and either live in transient housing,
          with family, friends or in a shelter.
​    3. Willingness To Partner (The partner family must meet all these conditions):
     
⌂   Complete an application package.
     ⌂    Attend all required meetings, workshops and classes.
     ⌂    All families selected for the program will complete 200-350 hours of volunteer "Sweat Equity".
     ⌂    Willingness to accept available land for the location of the home and the design plan for the house.
​   4. Residency
   ⌂ You must be a U.S. Citizen.
   ⌂ You must be a resident of Antrim or Otsego County for one full-year.
  Application for a Habitat for Humanity Home in Otsego County

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The Gaylord ReStore is
OPEN
​ MONDAY - SATURDAY 
​9:00 AM -5:00 PM

***************************
Donations Are Accepted 
Tuesday - Saturday
9:00 am to 5:00 pm

***************************
​
526 Edelweiss Village Parkway
Gaylord, MI 49735
ReStore Phone:
(989) 731-4506

***************************​
Gaylord ReStore Email: restore@otsegohabitat.org

​
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The Mancelona ReStore is
OPEN 
​TUESDAY - SATURDAY
9:00 am - 5:00 pm

***************************

Donations Are Accepted 
Tuesday - Saturday
9:00 am to 5:00 pm

***************************

​306 S. Williams Street
​Mancelona, MI 49659
ReStore Phone:
​(231) 916-2122

***************************​
Mancelona ReStore Email:
acrestore@otsegohabitat.org
​

NO PROSELYTIZING POLICY
Otsego-Antrim Habitat for Humanity will not proselytize. Nor will OAHFH work with entities or individuals who insist on proselytizing as part of their work with OAHFH. This means that OAHFH will not offer assistance on the expressed or implied condition that people must (i) adhere to or convert to a particular faith or (ii) listen and respond to messaging designed to induce conversion to a particular faith.
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​Habitat Office Hours
​Monday - Friday
9:00 am to 5:00 pm


526 Edelweiss Village Pkwy 
Gaylord, MI 49735
Office Phone: (989) 732-6070
Office Fax: (989) 731-4578
​
Office Email: office@otsegohabitat.org​


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​​All applicants are considered without regard to age, color, disability, gender identity, Non identifying, height, marital status, national origin, race, religion, sex, gender, sexual orientation, veterans, weight nor as state or federal law otherwise prohibits.

​NON-PROFIT STATUS
Otsego-Antrim Habitat for Humanity is a tax-exempt 501(c)(3) nonprofit organization. Your gift is tax deductible as allowed by law. Our tax exemption number for both locations is 38-3130500.
Privacy Policy | Terms of Use | Identity Theft Prevention
  • HOME
  • Who We Are
    • Board of Directors
    • Our Work >
      • Community Impact
      • What does a Habitat build look like?
  • What We Can Do For You
    • Fair Housing
    • Aging in Place
    • A Brush With Kindness Program >
      • Qualifying for A Brush With Kindness Project
    • Critical Home Repairs
    • Hope Financial Coaching Program
    • Home Ownership >
      • How Does It Work?
      • House Application Process
      • FORECLOSURE INFORMATION
    • Otsego Habitat Learning Garden
    • Veterans Services
    • Women's Build
    • Disaster Response
  • Restore's
    • ReStore in Gaylord
    • ReStore in Mancelona
    • Deconstruction
    • ReStore Clean Out Service
  • Volunteer
    • Get Involved
    • Construction Volunteering
    • Partners >
      • Thanks!
  • News
  • Employment
  • Access Page - Board Members
    • Agendas and Minutes
    • Annual Meetings
    • Antrim >
      • Antrim Acquisition - Historical
      • Antrim Homeowners
      • Antrim ReStore Building
    • AUDIT - HFHI
    • Board Development
    • Board Pictures
    • Budget and Strategic Planning
    • Calendar
    • Corporate Documents
    • COVID-19
    • Grants
    • Leadership Lab Information
    • Policies & Procedures
    • ReStore Building - Gaylord
  • Contact Us