Responsive image
Program Guidelines

Program Qualifications

The following three fold criteria is used for all programs at Blue Water Habitat for Humanity.  The extent of each qualification varies by program.  It is best to speak with a family services representative before disqualifying yourself.  Please note, all programs offered through Blue Water Habitat for Humanity require some form of payback.   For homeownership the payback is in the form of a home mortgage; for repair programs the payback varies depending on repair and applicant.  


At least one of these conditions must be present:

     *Inadequate shelter--problems with heat, water, electricity, etc.; inadequate number or size of bedrooms to accommodate family needs; unsafe living conditions.

     *Inadequate resources--lack of personal resources to buy, rent, build or repair adequate shelter; inability to qualify for VA, FHA, conventional or governmental loan programs. Or your current housing cost exceeds 30% of your monthly gross income.



1. Fall within Blue Water Habitat for Humanity of Sanilac and Saint Clair Counties’ income guidelines, which is between 25-60% of median income, adjusted for family size and updated annually.

2. Record of stable employment and/or other income for one or more years.

3. Enough projected income to pay house payment, insurance, taxes.
  You must also be able to pay for utilities and all maintenance and repairs.

4. Ability to pay a minimum down payment of 1% (one-time expense).

5. Projected housing expenses will be less than or equal to 30% of gross monthly income.

6. Existing long-term debt is less than or equal to 40% of gross monthly income.

7. Payment of the Credit Report Fee ($30 one-adult;$40 two-adults, $30 each adult over the initial two) must be
 received in order to process the homeownership application. 

8. Background Check Fee- $10.00 per person over 18 years old in the household, payable at application turn-in.


All of the following must be met:

*Eagerness- Fill our appropriate application or pre-screen for the programs listed below:

     -Homeownership Program Information and Application: Click for Brochure, or Click to complete application and print

     -Home Repair Pre-Screen Questionnaire (Click here to complete and then print form)

     -Return requested material in a timely manner

     -Participation in informational meetings (homeownership)

     -Completion of additional paperwork in timely manner



     -Of sweat equity policy for applicant, co-applicant and other household members

     -Of Habitat's house design policy

     -Of financial responsibility of home maintenance and care

     -Of the expectations in the letter of acceptance

     -Of the importance of monthly, on time mortgage/loan payments, without default

     -Of BWHFH's need for willing and active partners, during and after the construction, rehabilitation or repair of your Habitat project.