All candidates must: attend a one hour introductory workshop where applications are provided; currently live in substandard or overcrowded housing; live in Grundy County or the village of Channahon or Braidwood; have stable income; earn no more than 60% of the area median income; contribute 400 “sweat equity” hours (family and friends can help); have the ability to pay an affordable loan If selected, the homeowner is required to attend home ownership budgeting and maintenance sessions.