Need for housing
There Must Be A Demonstrated Need In Order To Qualify For A Habitat Home
Need is determined by a family's current living conditions.
Some examples of need are outline below (this list is not all-inclusive).
Structural/mechanical problems in building
Inadequate sleeping arrangements
Unsanitary conditions or health risks
Temporary or transitional housing
Current housing does not meet the physical needs
Unable to obtain a conventional mortgage
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 recycling, painting, deconstruction, working in the Habitat office, or other approved activities.
Approved applicants must do:
A two-adult household is required to perform a minimum of 400 hours.
A single-adult family is required to complete 200 hours.
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.
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
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)
NOT have filed for bankruptcy within the past 2 years
NOT have outstanding collections, liens or judgments at time of application