Apply for a House!

General Information about Applying with Habitat for Humanity

Thank you for your interest in applying for a loan to purchase a home with Greater Muncie, IN Habitat for Humanity.  If your application is approved, the average time between submitting an application and closing on a mortgage with us is 12-14 months.

You will receive a Notice of Action Taken within 30 days of submitting your application.  That notice will be one of the following:

  • Notice of Incompleteness (additional information is needed from you)
  • Informational Notice of Incompleteness (the affiliates needs more information internally)
  • Adverse Action Notice (Denial)
  • Notice of Pre-Approval/Partnership Agreement

Contact us at 765-286-5739 or with any questions you may have.


Pick up an application at the Habitat office, Monday-Friday 9 a.m.-4 p.m. The Habitat office is located at 1923 S. Hoyt Ave., Muncie, Indiana.

Homeowner Selection Criteria:

A. You have a need for adequate housing.

  • Current housing is inadequate or too expensive
  • Unable to obtain a conventional mortgage

B. You have the ability to pay the Habitat mortgage.

  • Steady income within the guidelines below
  • No unpaid liens or judgments

C. You are willing to partner with Habitat.
Fulfill all partnership requirements for Habitat homeownership, such as:

  • Complete sweat equity
  • Participate in homeowner education classes
  • Contribute down payment
  • Live where Habitat is working

Income Guidelines:

To apply for a Habitat home, the following family size and income guidelines must be met.