Application Guidelines & Rules

Habitat for Humanity Claremore is an equal opportunity housing provider. Habitat considers applicants without regard to race, religious preference, gender, handicap, familial status or national origin. The application process consists of completion of the application form, credit check, sex offender check, an office interview and a home interview.

Habitat’s acceptance guidelines are based on consideration of the following criteria:

Need for Housing

The applicant(s) must demonstrate that their current housing situation has one or more of the following characteristics:

  • Unsafe or very poor conditions or located in a particularly unsafe area;

  • Rent, or contribution currently paid towards rent, exceeds 35% of net income;

  • Size is inadequate for the present or anticipated residents; and

  • Other facts demonstrating a need for the type of housing Habitat can provide, that goes beyond a personal desire to own a home.


Applicants will not be approved if they:

  • Qualify for conventional financing

  • Presently own real estate

  • Have owned real estate within the last three (3) years.


Eligible applicants are not disqualified because they may qualify for another subsidy program, governmental or charitable, or tax deferral.

Willingness to Partner with Habitat

  • A minimum of 300 hours of sweat equity are required per family, to begin upon the signing of the Family Partnership Agreement. All adults over 18 years of age living in the household must participate in sweat equity (unless previous arrangements are made with the Family Support Committee). One hour of work on the building site is equivalent to one hour of sweat equity. Required classes are credited one hour of class is equivalent to two hours of sweat equity. All co-signers on the Homeowner Application must attend all of the required classes;

  • Applicant will be required to pay $300 at the time of the closing on the house. Any closing costs over the $300 will be rolled into the mortgage;

  • Applicant must be willing to live in a neighborhood in which Habitat is currently building; and

  • Applicant must be willing to attend required workshops for success in homeownership.

Demonstrated Ability to Pay

  • Gross household income must be between 30% and 80% of the median income for the Claremore area at the time of application.

  • A one-year history of stable income and employment;

  • An acceptable credit history, which includes a good record of paying rent and utilities;

  • Bankruptcies must have been discharged for at least two (2) years;

  • Ability to afford anticipated mortgage payments, including property taxes and homeowners insurance;

  • Monthly payments for debt cannot exceed 40% of gross monthly income; and

  • Applicants must be U.S. citizens or permanent residents.

Interested in applying for a Habitat for Humanity home?

We are currently taking applications to partner for a Habitat for Humanity home in 2019. Application period will close on March 1. 


Complete the below PDF application and return it to Diane Forst, Habitat for Humanity Executive Director, by: