If your family is in need of affordable safe housing, we would love to help you.
Examples of program qualifications
- Are You Ready To Provide A Safe, Decent, Affordable Home For Your Family?
- Are you unable to obtain a conventional home loan?
- Is your current home overpriced, overcrowded or in disrepair?
- Are you willing to help us build your new home?
- Are you able to make monthly mortgage and escrow payments?
- Are you a veteran, elderly and/or disabled?
- If You Meet Any of This Criteria or Have Any Questions, Contact Us Today For More Information.
FAQ about affordable housing
Affordable housing has significant economic impact, including increases in local purchasing power, job creation and new tax revenues. Affordable housing has been shown to have a positive effect on surrounding property values. Often, affordable housing is constructed on vacant, underutilized parcels because they are more cost-effective to develop. This increases the value of the property, which in turn means increased property taxes that flow to local and state governments and local school boards. New or renovated affordable housing often increases the value of neighboring properties and can stabilize marginal neighborhoods.
There Must Be A Demonstrated Need In Order To Qualify For A Habitat Home
- visible holes or large cracks
- leaks, hazardous/toxic materials
- electrical problems
- plumbing problems
- appliancesnot working
- more than 2 persons share a room
- different gendered children sharing a room
- persons having to sleep on the floor
- sewage problems
- stairway in disrepair
- allergy concerns
- family currently living with relatives
- family in emergency shelter
- do you need a ramp to enter your house
- do you need handicap accessability within your home
Ability to Pay
Ability to pay is determined by information provided and collected during the application process.
Information on the paper application, pay stubs, benefit statements, previously filed federal tax returns, and credit reports are examples of the resources used to determine this ability.
APPLICANTS MUST HAVE:
- a steady, reliable source of income and demonstrate financial responsibility (including state and/or federal aid)
- the ability to pay a monthly house payment at approximately 25% of gross monthly income (taxes and insurance included)
- the ability to pay projected monthly utilities (electric/gas & water/sewer)
- bankruptcy restrictions may apply, check with your local affiliate
- do NOT have outstanding collections, liens or judgments that cannot reasonably be paid by the completion of the home build
- qualifications vary by individual affiliate
Proof of Residency
- Driver’s License
- Federal, State, or Local Government ID Card
- Voter’s Registration Card
- School ID card with a photograph
- Native American tribal document
- U.S. Military identification card/ Military Dependents ID card
- U.S. Coast Guard Merchant Mariner Card
- Canadian Driver’s License
- Social Security Card
- U.S. Birth Certificate
- Certification of Birth Abroad (Form FS-545)
- US Citizen ID Card (Form I-197)
- Resident Citizen ID Card (Form I-179)
- Unexpired Employment Authorization by Dept. of Homeland Security
- Native American tribal document
- Certification of Report of Birth (Form DS-1350)
- Native American Tribal document
- Employment Authorization document issued by the Dept. of Homeland Security
Willingness to Partner
A partner family must be willing to complete “sweat-equity” hours.
“Sweat-equity” is when a partner family takes part in building their own home and other Habitat homes and may include activities such as clearing the lot, painting, helping with construction, working in the Habitat office, or other approved activities.
- Hours and methods of completion of “Sweat-equity” hours vary by affiliate.
- A portion of the sweat equity hours can be completed by family and friends.
- All of the hours must be completed before the partner family can purchase the home.
In addition, the partner family must also be willing to attend home buyer education classes.