Less people are applying for Habitat for Humanity homes in Mesa County, and according to program officials, it may stem from their misconceptions of the program.

Executive Director Amy Rogers said Habitat for Humanity serves individuals who make an average median income, ranging in the 30% to 50% range.

With a down economy, Rogers said their clients may not have a nest egg to fall back on, so they're more likely to develop bad credit.

There is a certain level of credit review you must go through in order to be accepted into the program. But no matter what your background is, program directors are willing to work with you and help repair the things that are holding you back from qualifying.

Basic acceptance requirements include having lived in Mesa County for at least a year, and partnering with Habitat for Humanity by putting 500 hours of sweat equity into your home.

According to Rogers, it takes about a year from the time you begin the process to when you actually get your home, so it gives you plenty of time to take care of the sweat equity, and time to work with program coordinators to fix any credit issues.

"People don't really understand that it is a partnership and they'll have to repay a zero-interest mortgage, every single one of our homeowners pays less than they were in rent when they get into their house," said Rogers. "And we make sure of that, if at all possible, because they're having to budget a little bit of money for home repairs and things like that."

Officials say they really want to help educate future homeowners entering the program. And, by building your home with your neighbors, it creates a great sense of community for your new home.

If you want to learn more about the qualifications to own a habitat home, or if you're ready to apply for the program, visit http://www.hfhmesa.org.

You can also reach their office by calling 255-9850.