LOOKING FOR AN AFFORDABLE OPPORTUNITY
TO BUY A
SIMPLE DECENT HOME
Listed below
are the basic guidelines for
qualifying as
a habitat partner family
Need
A. You will
be considered for a habitat home if your present housing is not adequate
and if you are unable to obtain adequate housing through other
conventional means. Lack of adequate housing may include problems
with the present structure, water, electrical, or sewage service
systems, heating system, or failure to meet property maintenance
standards. Also taken into consideration are the number, the ages and
sex of the children compared to the number of bedrooms in your present
home.
B. The
percentage of your monthly income that you currently spend on housing is
considered to determine need. You will be required to discuss
openly and fully your financial situation with a habitat interviewer.
C. You must
currently live in Clinton County, New York
D. You and
your family may be considered if your total income is in the following
range:
Ability to Pay
Since you will be
actually buying your home from habitat, you must demonstrate your
ability to pay the monthly house payment, which is approximately $400-450
per month and will include not only the mortgage payment, but the
payment for real estate taxes and insurance. We will help you
determine if the payment will jeopardize your ability to meet your other
family financial obligations and expenses. We can also help you if
you need to develop a budget to determine your eligibility. There
is no interest on the loan for a habitat home.
Willingness to participate
as a partner with habitat
A.
When selected you become a "partner family" in the habitat movement.
As a "partner family" you must complete volunteer work with habitat.
Your total "sweat equity" contribution must be completed before becoming
a homeowner. Your assistance in constructing your home his called
"sweat equity" and may include helping in clearing a lot, painting,
construction, providing food for volunteers or day-care for volunteer's
children. As a partner family you must complete 250 hours of
"sweat equity" for each adult family member.
B. You will
be responsible for the maintenance and repairs of your house from the
time you move into it.
C. After
moving into your home, the family support committee will maintain an
ongoing relationship with you and your family. This support
includes financial counseling and household maintenance education.
Champlain Valley
Habitat for Humanity will look at three distinct areas when reviewing
potential homeowners applications.
1. Your
family's actual housing need based on the suitability of your current
shelter.
2. Your
current income and ability to pay for a habitat house.
3. Your
willingness to participate as a partner with Champlain Valley Habitat
for Humanity
Applying to be a
Habitat Homeowner
Champlain Valley
HFH accepts applications only during our advertised open
application periods. If you have questions about applying for a
habitat home, or if you would like us to contact you during our next
application period, please complete the following form:
