How to apply
Download and print out application, or stop by our office to pick one up:
4509 West Market St. Louisville, KY 40212
What happens after I fill out the application?
Once you apply, we will examine your income and your credit. You will either be sent an approval or a denial letter. The Family Selection Committee, a team of trained volunteers, will examine your application in-depth for your ability to pay a mortgage. Application screening may include examination of your finances, verification of timely rent payments, background checks, and a home visit at your residence. Your application screener will present your information at a regular meeting on your behalf, where a vote will be taken for approval or denial.
What is sweat equity?
Sweat equity is the amount of hours you invest in your partnership with the Fuller Center. Hours can be earned through financial literacy courses, home maintenance courses, and even getting involved with your community.
How long does it take until I become a homeowner?
Once approved, as long as you continue to meet the requirements, most homebuyers move in to their homes within a year and a half to two years.
How much does a Fuller home cost?
Before moving into the home the family is asked to save between $1,500 and $2,000 for closing costs. An average mortgage payment (principal, taxes, and insurance) for a three bedroom home is typically between $350-$450. Loans are typically 20–25 years, and always with a 0% interest.
1 BR: $45,000 | 2BR: $55,000 | 3BR: $65,000 | 4BR: $75,000
Do I get to choose where and which home I get?
No, the Family Selection Committee will choose a house that fits your household composition. You do have a right of refusal. You will not be denied from the program, you would go back on the waiting list until another house that fits your family’s needs becomes available.
Do I have to be Christian in order to receive a home?
No. We are pledged to the letter and spirit of U.S. policy for the achievement of equal housing opportunity throughout the nation. We encourage and support an affirmative advertising and marketing program in which there are no barriers to obtaining housing because of race, color, religion, sex, handicap, marital status or national origin.