Homeowner Responsibilities

Answer the following questions to help determine if you are ready for Homeownership

Are you and your family ready, willing and able to: 
·     Make a commitment to live in the same home for 30 years? (It's easy to move around when you are a renter, but when you own a house, moving is much more complicated!).
·     Mail my mortgage payment to the mortgage company every month? (All mortgage companies, including Habitat for Humanity will foreclose on homeowners that become delinquent in their payments).
·     Save $3,000 for closing costs and other start-up expenses relating to homeownership?
·     Budget for ALL expenses of homeownership, including but not limited to water, heat, electricity, garbage, property tax, homeowner's insurance, etc.?
·     Pay monthly association fees if your home is in an association?
·     Fix a broken toilet myself or spend money to hire a plumber when it breaks?
·     Keep the house in good condition (painting, doing repairs, yard work, cleaning, etc.), instead of doing other things, priority is to maintain a quality home for a lifetime?
·     Learn the skills necessary to do maintenance on my home?
·     Keep the lawn mowed in the summer (including maintaining a lawnmower) and the sidewalk clear of snow and ice all winter long? 
·     Spend time getting to know my neighbors, since good relationships with neighbors are the  start of  healthy, strong communities?     

If you answered "yes" to all of these questions, you may be ready to become a homeowner.

If you answered "no" to any of these questions, you may not be ready to be a homeowner at this time.  That's okay! It's better to know you will not be happy as a homeowner before you own a home.

NOTE:  Homebuyers who purchase a home through Central Minnesota Habitat for Humanity, Habitat becomes your mortgage company, not your landlord or caretaker.  The house and any problems or damage that occurs after they have move-in are the Homebuyers responsibility.