Become a Homeowner

We want every family in Charlevoix and Emmet Counties 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 Partners will work towards becoming Home Ready by completing homebuyer education courses and sweat equity. Home Ready Program Partner's will have full support of our staff to purchase the home with down payment assistance and affordable mortgage payments that will never exceed 30% of their annual income.
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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
  • Be able to obtain a mortgage to purchase the home
  • Complete homebuyer education courses
  • Pledge to complete 200 hours of sweat equity within 2 years of purchasing the home
  • Make a minimum of $30,000 annually
  • Fall within the income guidelines below
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Examples of people who might qualify for a Habitat Home in Emmet County
AMI Income Guidelines vary slightly for Charlevoix Counties
2022 Area Median Income Guidelines
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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: Emily@northwestmihabitat.org  Call: 231-348-6926 ext. 105 

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

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