Chelsea Hoeflinger applied for Habitat’s Homeownership Program in the fall of 2019 in hopes of owning her own affordable home with a backyard for her daughter, Kamryn. Chelsea and her daughter live in an apartment, and saving money is a challenge due to rent increases every year.
Chelsea had a dream of owning her own home for years but due to her debt-to-income ratio, she was unable to qualify for a conventional mortgage. Chelsea began taking classes through LaCasa to rebuild her credit and while there she learned about Habitat’s Homeownership Program. Chelsea was surprised and excited to learn that she had been accepted into the program. Since January of 2020, she has participated in homeownership and financial education classes and has been working towards her required 250 “sweat-equity” hours and saving for an affordable down payment.
Chelsea has worked for Michiana Internal Medicine as a PC Medical Assistant for 7 years and loves her job. She feels fortunate to go to work each morning and appreciates everyone she works with.
She chose a lot on Concord Avenue in Elkhart. Construction on her 3 bedroom,
1 ½ bathroom home is scheduled to begin the fall of 2020, with support from the Builders Association of Elkhart County and its members, community corporations, and Habitat partner families.
Chelsea wants to be able to provide her daughter the same things in life that she had growing up, living in a safe neighborhood, a stable home, and a backyard. Chelsea shared “Knowing that I’ll be able to afford (my mortgage) and not stress or worry, and have stability means everything to me!”
Photos by JB Photography