Home Journey Program FAQ’s

 

 

What is the Habitat for Humanity of Omaha Home Journey program?

The Habitat for Humanity of Omaha Home Journey program is a counseling program to help families on their path to homeownership. Home Journey helps you set goals and build a plan to become mortgage ready for homeownership.

What are the pathways to homeownership?

There are three main pathways to homeownership. 

  1. A Habitat home with Habitat financing 
  2. An open market home with Habitat financing 
  3. An open market home and financing 

There also is a fourth path. You can begin working on your own through educational videos and tips from our Habitat experts. Sign up for updates to resources, and educational materials HERE.

I’m interested in the Habitat Omaha homeownership program. How do I get started?

You can start right now by filling out our Home Journey eligibility questionnaire. Visit our Home Journey eligibility page to learn more. 

Or you can start getting ready by signing up for educational material and get started on your journey. 

What are the eligibility requirements for Home Journey?
  • You have lived in the Omaha Metro area for the last 12 months
  • You are a first-time homebuyer or have not owned a home during the past three years
  • You have at least 6 months of continuous employment or 2 years if you are self-employed
  • You must be a U.S. Citizen or have permanent resident status
  • You meet the minimum monthly gross income guidelines (the total amount you earn before taxes and deductions)
Can I apply if I am not a U.S. citizen?

To be eligible for a Habitat Omaha program, you must be a U.S. citizen or a legal permanent U.S. resident 

Can I choose where I want to live? Can I choose my house and where it would be built?

Once you become mortgage ready and are prequalified, your counselor will help you navigate the process to purchase a home where you want to live based on your affordability options 

What is required to become mortgage ready? Is there a way I can self-assess my ability to qualify?

Our Home Journey counseling program was created to help get you mortgage ready. If you meet the Home Journey Counseling Program Requirements, click here to begin the questionnaire and see if you qualify for Home Journey counseling.

What happens after I’m accepted for mortgage-ready counseling?

A Habitat Omaha counselor will reach out to you and begin working with you on your counseling plan and pathway to a loan application and finding your new home. 

What if I’m not accepted?

Home Journey counseling is limited, and you may need more time and effort for your homeownership journey. The good news is you can still get started now! Sign up for educational webinars and tips from our experts. The sooner you start your journey; the more your pathway will open to home ownership.