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Habitat for Humanity is a Christian housing ministry, which seeks to eliminate poverty housing from the world and to make decent shelter a matter of conscience. Habitat homes provide simple, decent shelter and are typically 1,000 square feet, slab construction with three bedrooms and one bath. The current cost of a Habitat home is around $80,000.00. A Habitat home is sold to a partner family with an interest free twenty or twenty-five year mortgage which includes a second mortgage that is eliminated over the course of the first ten years of home ownership. The contract also contains a "right of first refusal" which requires the owner to give Habitat the first right to purchase the home should the owner decide to sell.
TO QUALIFY FOR A HABITAT HOME THE APPLICANT MUST:
- Have a need for housing, meaning you presently live with housing conditions that are substandard, overcrowded, in unsafe neighborhoods or too high cost. You may also not own any property.
- Have income above 30% but below 60% of the median income for the household size. See chart below.
- Be willing to become a Partner Family by completing sweat equity (volunteer hours).
- a. Once approved, an initial 25 hours of sweat equity is required
- b. Work a total of 400 hours of sweat equity before the process
- is complete
- Attend home ownership and maintenance classes.
- Have enough income to handle house payments, utilities, taxes, food, insurance and other normal expenses.
- Verify income to equal or exceed three times the monthly house payment.
TO QUALIFY FINANCIALLY, YOUR INCOME NEEDS TO BE BETWEEN THE AMOUNTS LISTED FOR YOUR FAMILY SIZE
| Persons |
1 |
2 |
3 |
4 |
5 |
6 |
7 |
8 |
| Lowest Income |
$13,650 |
$15,600 |
$17,550 |
$19,450 |
$21,050 |
$22,600 |
$24,150 |
$25,700 |
Highest
Income |
$36,300 |
$41,500 |
$46,700 |
$51,850 |
$46,000 |
$60,150 |
$65,300 |
$68,450 |
AN APPLICANT CAN BE DENIED AT ANY POINT DURING THE PROCESS. REASONS FOR DENIAL INCLUDE:
Too much income.
Lack of need for adequate shelter because of
- ABILITY TO OBTAIN CONVENTIONAL FINANCING
- FAMILY LIVING IN ADEQUATE HOUSING AT PRESENT.
Lack of ability to pay for and maintain a Habitat home because of:
- NOT ENOUGH INCOME.
- TOO MUCH DEBT AS DETERMINED BY HABITAT'S CHECK QF CREDIT.
- HISTORY OF INABILITY TO MEET FINANCIAL OBLIGATIONS.
Lack of willingness to partner with Habitat by:
- NOT CQMPLETING SWEAT EQUITY HOURS IN A TIMELY MANNER.
- NOT ATTENDING FINANCIAL COUNSELING OR HQME MANAGEMENT CLASSES.
- GIVING FALSE OR INCOMPLETE INFORMATION ON THE APPLICATION OR DURING THE INTERVIEWS
- BEING LISTED ON THE SEXUAL PREDATOR REGISTRATION
To Apply: Print, Fill out and mail us this application
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