Frequently Asked Questions

Are Greater Lewis County Habitat houses free?
No, however homeowners are given the opportunity to purchase a “Habitat” home from Greater Lewis County Habitat for Humanity through a zero-percent interest mortgage.

Where is your office located?
We are located in Suite A, St. John’s Lutheran Church, 2190 Jackson Highway, Chehalis, WA 98532. Please call (360) 736-7158 or email for an appointment.

Is there a down payment required?
No, however Habitat partner families must provide a minimum of 250 hours of sweat equity toward the construction of their home.

How much is the monthly mortgage payment?
The monthly mortgage payment varies depending on the value of each individual home. Currently the average monthly mortgage payment for new homebuyers is between $200 and $360.

Do you have a waiting list?
No, we maintain a list of people interested in being notified when we take applications.

How long does the process take?
The application process can take 3-6 months, but it can take up to a year or longer from the initial application to the close on your home.

Do I have to be employed?
No, but you must have a steady income and meet the household income minimum based on Lewis County’s most current median income levels. Qualifying income includes but is not limited to child support, alimony, SSA, SSI, retirement and income from your employment.

What are the household income guidelines?
The selected Habitat family must earn 45-80% of Lewis County’s most current published median income levels.

What is the square footage of a typical Habitat home?
Two bedroom / 1 bath home is 900 square feet.
Three bedroom / 1.5 bath home is 1070 square feet.
Four bedroom / 2 bath home is 1150 square feet.

Can a single person apply?
Yes, you do not have to have children to qualify. You may also be married.

Can I qualify if I have had a foreclosure?
Each application and credit file amongst other information including financials, are reviewed on a case by case basis. A post-foreclosure waiting period may be required.

Where do you build?
We currently build in urban neighborhoods within Lewis County.

Can I choose where I want my house to be built?
Greater Lewis County Habitat for Humanity builds homes on currently owned lots in urban neighborhoods within Lewis County. You will not have the option of searching for a site on your own.

Can anyone help me with my sweat equity?
Yes, a pre-selected approved family has to commit to working a minimum of 250 hours toward the purchase of its new home.

Can I apply if I own a business?
Yes, however your complete income tax records for the previous two years will be evaluated closely to ensure that you meet the income minimum and do not exceed the maximum income for your family size.

If I already own my home and it needs repairs, can Habitat fix it up?
Yes, Greater Lewis County Habitat has a Minor Home Repair program that may assist you with urgent repairs to your home.

Has Habitat for Humanity affiliate ever foreclosed on a home?
Yes, unfortunately it does happen. Greater Lewis County Habitat strives to work closely with Habitat homeowners, however continued communication & partnership between the family and the Affiliate are imperative to prevent foreclosures. An approved, selected family purchases a home from Greater Lewis County Habitat with the expectation that timely monthly payments are paid. If payments for three consecutive months or more are not paid, Greater Lewis County Habitat may begin foreclosure on the home. Monthly payments are crucial as they help fund homes for future families.