Interested in applying for a Habitat for Humanity Home? Please use the following checklist to see if you qualify!
Eligibility Checklist
| 1. Are you in need of housing? |
| Acceptable criteria for “Housing Need”: – You are currently employed, but do not have housing. – You live in unsafe or very poor conditions or located in a particularly unsafe area. – Your rent, or contribution currently paid towards rent, exceeds 35% of net income. – The size of your current habitat is inadequate for the present or anticipated residents. – You have other facts demonstrating a need for the type of housing Habitat can provide, that goes beyond a personal desire to own a home. Unacceptable criteria for “Housing Need”: – You presently own real estate. – You have owned real estate within the last three (3) years. |
| 2. Do you have the ability to pay? |
| Criteria for “ability to pay” includes: – You are unable to obtain a conventional mortgage. – You must have a form of stable income and employment. – Any bankruptcies must have been discharged for at least two (2) years; – You must have the ability to afford anticipated mortgage payments, including property taxes and homeowners insurance. (Payments are based upon income). – Your monthly payments for debt cannot exceed 40% of gross monthly income. – Applicants must be U.S. citizens or permanent residents. |
| 3. Are you willing to partner with Habitat for Humanity? |
| Partnering includes: – Applicant must be willing to complete hours of sweat equity towards the building of Habitat homes. – Applicant must comply with all other sweat equity policies. – Applicant must be willing to live in a neighborhood in which Habitat is currently building. – Applicant must be willing to attend required workshops for success in homeownership. |
I’m interested in applying! What are my next steps?
Or, email us directly for an application at: habitatsedalia@gmail.com