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| Our chapter of Habitat for Humanity is looking for qualified, low-income families who are in need of decent, affordable homes. Three distinct areas are considered when reviewing potential "partner families" as first time homeowners, and there are residency requirements. If you are interested in being considered for a new home, you may either fill out the form below and click on the submit button, or download the .pdf file to print and fill out by hand. Once we receive your application we will contact as soon as possible. | |||
| Who can get a home? Partners for homes are selected from applicants by the local HFH selection committee. Income and family size are some of the criteria used, but are not the only ones. Contact the selection committee for more information. In general, acceptable applicants will be low-income families that don't necessarily have established credit, but don't have BAD credit. | |||
| Is it free? No. Some people have the misconception that Habitat gives away the homes. That is not true. The homes are SOLD to the family, but in a way that makes them affordable. | |||
| What will it cost? The overall cost of the home is kept low by using donated materials, volunteer labor, donated land (when available), and by using a simple design. The sale to the family is financed with a 30-year no-interest loan based only on the cost of materials or land purchased to build the home. In general, the monthly loan (plus insurance) payments are about the same the family would have to pay for rent of a comparably sized home (probably not in as good a condition). Loan qualification does not usually require established credit, but the family cannot be in a BAD credit situation. A down-payment of $100 is required at the time that the contract is signed, and closing costs of no more than $500 will be required at the closing of the loan for the home. | |||
What else is required? • Employment Verification (paystubs or printout from employer) • Income Verification for the past six months (Work, Child Support, SSI, VA Benefits, and any other monthly income) • Utility bills for the past three months (Water, Gas, Electric, Garbage, Phone, Etc..) • Other monthly bills for the past three months (credit cards, car payments, child support, cell phone, medical, collection agency, etc.) • Bank Statements for the past six months ( Checking, Savings, etc) • IRS Tax Forms for the past three years with all signatures • W2 Forms for the past three years • Rent Verification for the past three years (rent receipts, letter from landlord, etc..) | |||
| What else would be required? PARTNER FAMILIES will be required to volunteer 500 hours of “sweat-equity”; 50 hours will need to be completed before construction of the home begins. Sweat-equity hours can be obtained by volunteering in the office, volunteering at events that Habitat is involved in, working on someone’s house, working on your own home, along with many other volunteer opportunities. The PARTNER FAMILY has up to two years to complete the 500 hours, but if the family works on their home every Saturday they will have no problem obtaining their hours. PARTNER FAMILILES are also required to take an 8 hour money management course, which counts toward the "sweat-equity" requirement. A home visit by the Family Selection Committee is also part of the selection process. | |||
| How do I apply? You must fill out the application and submit it to us. To download and print the application click on the "homeowner application" just below. If you would like an application sent to you, fill out and submit the form titled "Request a form be sent to you." | |||
•Download Homeowner Application
Download and print this form to fill out at home.
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homeowner_application.pdf | 43.66 KB |
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• Request a form be sent to you
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