Applicants submit a pre-screening questionnaire. Applications are reviewed by Director of Homeowner Services to determine household income and Debt-To-Income Ratio. If applicant meets requirement, they will be invited to fill out the full application for homeownership. Then, the Homebuyer Loan Committee, comprised of WHFH Directors will review applications with Director of Homeowner Services and determine which applicants qualify and recommend those who do for acceptance to the program. The Habitat Board of Directors then reviews those recommendations and decides on final approval. Total household income must to fall within 30-60% of the median household income range.