Home Ownership
PRELIMINARY PARTNER FAMILY
APPLICATION
In
order to be able to qualify to be a Habitat Homeowner...
You must currently be a
resident of our service area - North & Central Palm Beach
County
(between the Martin County
Line and
Hypoluxo Rd. in
Boynton Beach) for at least a year.
You must be considered a First Time homebuyer (you cannot have owned a home
within the past 3 years).
How do you
qualify???
A. Need
1. You can be considered for a Habitat home if your present
housing is not adequate. Lack of
adequate housing may include problems with the structure,
electrical, plumbing,
air conditioning/heating systems, overcrowding, or failure
to meet city property
maintenance standards. We also consider the number, ages,
and sex of those living in the home.
2. How much money you spend on housing is also considered.
You will be required to
discuss you financial situation openly and fully with a
Habitat interviewer.
3. You and your family may be considered if your total
yearly income falls within
the following guidelines mandated by
HUD 2009: (40% - 80% AMI)
# of
People Annual Gross Household Income
1
$21,100 - $42,200
2
$24,125 - $48,250
3
$27,150 - $54,250
4
$30,150 - $60,300
5
$32,550 - $65,100
6
$34,975 - $69,950
7
$37,375 - $74,750
8
$39,800 - $79,600
B. Ability
1. Since you will actually be buying your home from Habitat,
you must be able to pay
the monthly mortgage payment. We will
help you determine if this payment will keep
you from paying your other family
expenses.
2. You must pass a criminal background check.
C. Partner
1. When selected, you become a
Partner Family in the Habitat for Humanity ministry.
2. You will be required to attend monthly classes and Family
Partner meetings where you will have
the opportunity to learn many things
that will help you as you become a homeowner.
3. You will be required to attend and work with the Consumer
Credit Counseling Service
who will assist you to develop a lean but
livable budget and to save, shop, set financial goals and
use credit wisely. Often that's all
that is needed to get our finances in order. There is no cost to you for
this and it will help you save for
the down payment and other expenses common to owning your own home.
4. You will assist in building your home and the homes of
other Habitat families (500 hours). This is
called
"sweat equity" and will give you an opportunity to learn the skills you will
need to maintain
your
house. You will also work at the ReStore or Thrift Store which will
provide "community" time
with
other Partner Families, Habitat Volunteers and others from the area.
How to Apply?
The
next application session will be: May
2010
In order
to be placed on the invitation list for the next applicant meeting,
please
fill out the
Preliminary Partner Family Application
and
return it by fax, mail, or email to the Habitat office by April 30, 2010 .
**Please
DO NOT SEND multiple copies**
If you
are interested in homeownership and have any additional questions, please
contact
Bernadette Diaz Director of Volunteers & Family Services at
561-433-3351 or at
Familyservices@habitatpbc.org.
Habitat for Humanity is pledged to
the letter and spirit of the U.S. policy for
the achievement of
equal housing opportunity
throughout the nation. We encourage and support an affirmative
advertising and marketing program
in which there are no barriers to becoming a homeowner
due to race, religion, sex,
handicap, familial status or national origin
