For initial qualification homebuyers must demonstrate the criteria listed below. If you are married, you must submit the form with your spouse. We cannot accept your interest form if you are separated.
For a successful relationship between HabiJax and potential homeowners, these obligations must be met by applicants:
Monthly income must be between the ranges below for your household size (when you move into the house) to meet routine expenses, maintain the house and make affordable monthly mortgage payments. You must have worked in a full-time job at least 1 year or a part-time job for at least 2 years, have less than $500 in delinquent debt, and if you have a credit score, it must be a 640 or above (if no credit score, you will need to meet non-traditional credit guidelines).
(Your income must fall between the the two incomes for your family size. Income levels are effective April 1, 2022)
This reports scores from two of the three credit bureaus. If credit is pulled from all three credit bureaus, your score may vary.
This will provide your credit report but not your credit score.
Check your score from all 3 bureaus
We are pledged to the letter and spirit of U.S. policy for the achievement of equal housing opportunity throughout the nation. We encourage and support an affirmative advertising and marketing program in which there are no barriers to obtaining housing, including race, color, religion, sex, and handicap, marital or family status or national origin.
