FoCo Eligibility Quiz

Ineligibility: Residency

Based on your answer in the residency section, you are likely not eligible to apply for Fort Collins Habitat for Humanity’s homebuyer program at this time.

Explanation:

1. We require that all homebuyer applicants are either US Citizens or Legal Permanent Residents (with current Green Card.)
2. We must adhere to residency criteria within the boundaries of our service area. Please note: If you do not currently live OR work in our service area (reflected on this map) we are unable to partner with you.

Next Steps:

We encourage you to consider applying in a future round when the residency requirements stated above are met. Please note that if you do not live or work within Fort Collins Habitat for Humanity’s service area, you may be able to apply with a different Habitat affiliate in Colorado. Please visit Habitat Colorado’s website to learn which affiliate is local to you. If you have questions about whether or not you qualify based on residency requirements, please contact our Homeowner Services Director, Theresa, at tbain@fortcollinshabitat.org.

Ineligibility: Ability to Pay/Bankruptcy

Based on your answers in the Income and/or Bankruptcy section, you are likely not eligible to apply for Fort Collins Habitat for Humanity’s homebuyer program at this time.

Explanation:

Income: Your household’s total monthly GROSS income must meet our income guidelines. Individuals and families who do not meet these guidelines are likely above or below the Area Median Income (AMI) range that we serve, and are therefore ineligible.

Bankruptcy: Our program requires that an applicant have no history of bankruptcy OR that their bankruptcy was discharged 2+ years ago.

Next Steps:

We encourage you to consider applying in a future round when your income meets the guidelines listed on our website and/or your bankruptcy history has been discharged for over two years. If you have questions about your income or bankruptcy history, please contact our Homeowner Services Director, Theresa, at tbain@fortcollinshabitat.org.

Ineligibility: Homeownership

Based on your answers in the Income and/or Bankruptcy section, you are likely not eligible to apply for Fort Collins Habitat for Humanity’s homebuyer program at this time.

Explanation:
Habitat’s program is intended to serve “First Time Homebuyers.” The Federal Housing Administration defines a First Time Homebuyer as someone who has never owned a home OR has not owned a principal residence in the last three years.

Bankruptcy: Our program requires that an applicant have no history of bankruptcy OR that their bankruptcy was discharged 2+ years ago.

Next Steps:
We encourage you to apply in a future round when your status as a homebuyer has changed (and/or when you are three years out from owning a home.) If you have questions about whether or not you qualify as a First Time Homebuyer based on this definition, please contact our Homeowner Services Director, Theresa, at tbain@fortcollinshabitat.org.

Ineligibility: Marital Status

Based on your answer(s) in the Martial Status section, you are likely not eligible to apply for Fort Collins Habitat for Humanity’s homebuyer program at this time.

Explanation:
Until someone is legally divorced, Fort Collins Habitat for Humanity is unable to determine household assets and/or custody arrangements of minor children (if applicable). These criteria are required in determining household size and financial qualification.
Next Steps:
We encourage you to apply in a future round when your marital status is finalized — ex: divorce is final and assets/custody have been allocated OR you are comfortably co-applying with your spouse. If you have further questions, please contact our Homeowner Services Director, Theresa, at tbain@fortcollinshabitat.org.