Those who are eligible and approved for a Habitat home will get assistance in building their home as well as a 20 year interest free mortgage. The requirements include the need for adequate shelter and ability to pay Habitat for Humanity, and the willingness to partner with Habitat to volunteer their time on both their home and other Habitat projects. Listed below are some examples of eligibility.
The family’s current shelter has problems with the structure, roof, and floor, heating system, water supply, electricity, bathroom or kitchen.
The family’s current shelter has an inadequate number of bedrooms as determined by the number of family members, ages and sex of household members.
The family’s current neighborhood is unsafe or unsanitary.
The family must have a minimum household gross income of $20,000 to $40,000 annually. Some exceptions may apply.
A family selected for a Habitat Home must pay a down payment of $1,200. The full amount must be paid at least a month before taking occupancy of their home.
The family must provide a credit report. (A form will be provided for this at the time of application).
An applicant must be willing to enter into a partnership with Habitat by completing between 350 - 500 hours of sweat equity on their house and other Habitat projects, and participating in Habitat’s nurture program, which may include financial counseling, household management education, Homeowners Association meetings and other Habitat activities.
For more information about the program, visit the website www.unionhabitat.org or call Alice Baker at 843-320-1014.