In general, applicants must: * Families must have lived or worked within the Lake Agassiz Habitat for Humanity service area for the past year * Be citizens or legal residents * Prove steady income * Have good credit * Earn a monthly income that falls within minimum and maximum limits, depending on household size * Maintain a savings account over a certain period of time In addition, each partner family will be required to: * Invest sweat-equity hours in building their home and others * Make an affordable down payment * Make timely mortgage payments * Attend homeowner education classes