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Become a Homeowner

We want every family in Charlevoix and Emmet County to have a safe, decent, and affordable home where they can be proud to live. When we partner with families and individuals, not only do we help them build a new home, we help them develop the skills they need to become successful homeowners

Our Home Ready Program helps households to become responsibly ready by offering assistance with credit repair, home buyer education, and on-site training in the form of sweat equity hours. 

Our Home Ready Program assists households to become financially  ready for homeownership through partnerships with local, state, and federal programs that offer financial assistance and affordable mortgage products that don't require a down payment.

No matter the level of assistance needed or your reason for wanting to become a homeowner, we are here to help.
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Who Qualifies for the Home Ready Program?

All Home Ready Program Partners Must:
  • Live OR work in Emmet or Charlevoix Counties
  • Must receive mortgage approval of at least $190,000
  • Complete homebuyer education courses
  • Pledge to complete 200 hours of sweat equity within 2 years of purchasing the home
  • Must have reliable income
  • Fall within the income guidelines below
Examples of people who might qualify for a Habitat Home in Emmet County
AMI Income Guidelines vary slightly for Charlevoix County
                                2023 Area Median Income Guidelines
                                Charlevoix County                                                                  Emmet County
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Apply for our Home Ready Program!
Today is the day for you to begin your journey to homeownership! To get started:
Email:  Call: 231-348-6926

Visit: 1840 M-119 Unit 1, Petoskey, MI 49770

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