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Homeownership Program | Rockford Area Habitat for Humanity

5183 Harlem Road, Suite 3, Loves Park, IL 61111

Eligibility
Open to those who meet the following requirements:
  • Meets income guidelines
  • Meets credit score guidelines
  • Debt to income ratio of 41% or less
  • Volunteer 200 hours in the construction of home
  • Cannot currently own a home
  • Resident of Winnebago County one year or more
  • Demonstrated need for housing
Guidelines may change annually
Required documents
Photo ID, 1 year tax returns and W2s, 6 weeks of paystubs, proof of guardianship for children living in the home (such as birth certificates), proof of other income (such as child support, alimony, disability, etc.)
(815) 636-4573
Voice·

Main Phone

Application process
Call or visit website for program details; Annual application seminar held in August
Fees
Call for information
Service area
Winnebago County, IL

Sells homes to qualified families who do not currently own a home. The family receives a no-interest loan from Rockford Habitat to purchase the home. The family will pay the loan back over the next 20 or so years. Loan length and mortgage payment are based on individual family income. The average mortgage payment is around $500 a month. Families must volunteer at least 200 sweat equity hours during the construction of their home and take three financial management courses prior to the closing.

To qualify for the program, 4 categories are evaluated:

- Residency.

- Ability to pay.

- Need.

- Willingness to partner.

Date of Last Formal Update
03/16/2026
Data provided by
United Way of the Midlands
Providing organization
Rockford Area Habitat for Humanity

Offers a home ownership program, critical home repairs, and sells new and gently used furniture, home accessories, building materials, and appliances to the public.