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Application Orientation Lancaster County March 2010. What is Habitat for Humanity? . Habitat for Humanity is a non-denominational Christian housing ministry dedicated to selling affordable houses to qualified applicant families. Photo by Kim MacDonald. You can buy a house!.

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Application orientation lancaster county march 2010 l.jpg

Application OrientationLancaster CountyMarch 2010


What is habitat for humanity l.jpg
What is Habitat for Humanity?

Habitat for Humanity is a non-denominational Christian housing ministry dedicated to selling affordable houses to qualified applicant families.

Photo by Kim MacDonald


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You can buy a house!

Habitat for Humanity provides:

  • An affordable house – Habitat for Humanity makes no profit.

  • An affordable mortgage - Habitat for Humanity charges 0% interest.

  • Solid, reliable program – building homes in Lancaster County since 1986.


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Owning a home means…

Joys

  • More success in school for kids, personal space and decorating choices!

    Responsibilities

  • Paying the mortgage on time, mowing the lawn, shoveling snow, changing light bulbs and the batteries in fire alarms, more bills to pay!


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How does Habitat for Humanity select families?

  • Application Process includes:

    • Submit completed application and paperwork

    • Credit check

    • Home visit

    • Violent offender registry check


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Ability to pay

  • Must have sustainable income

  • Debt must not be excessive

  • No liens or judgments

  • No back Child Support payments

  • Consistent payment history with rent

  • Ability to make applicable down payment and closing costs

  • 3 years since Bankruptcies/Foreclosures


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Ability to payAmount of your debt

How much money do you owe?

  • School loans

  • Car loans

  • Bank credit cards

  • Store credit cards or accounts

  • Utility bills

  • Medical bills


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Ability to payResidency Requirements

  • Must live in Lancaster County for 1 year before applying

  • If employed, working with same company for at least 6 months

  • Must be a Permanent Resident or US Citizen

  • Entire household must live in this County


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Ability to payIncome Eligibility

Maximum Income per household

1 person $37,800

2 people $43,100

3 people $48,600

4 people $53,900

5 people $58,200

6 people $62,500


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Current Projects

South West Lancaster City

19 homes on Fairview Ave.


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Current Project Income Guidelines

Fairview Build

  • Taxes and Homeowner Ins. - $410 per month

  • Principal payment – $400 per month

  • Homeowner’s Association – $70 per month

    Minimum income is $33,000 for this project.


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Current ProjectIncome Guidelines

Ephrata Build

  • Duplex in larger mixed income neighborhood

  • Taxes and Homeowner Ins. - $300 per month

  • Principal payment – $400 per month

  • Homeowner’s Association – $20 per month

    Minimum income is $27,000 for this project.


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Need for Housing criteria:

  • Overcrowded living conditions.

  • Substandard living conditions.

  • Paying more than 30% of monthly gross income for housing expenses.

  • Denied a traditional mortgage.

  • Currently living in public housing, or Sec 8.


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Willingness to partner criteria

  • Returns application complete and on time

  • Returns phone calls promptly

  • Agrees to complete 500 hours of sweat equity

  • Agrees to save toward 1% down payment

  • Agrees to attend homeowner workshops

  • Creates safe environments for neighbors.


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Partnership is a key part of Habitat for Humanity

  • Many individuals, groups, churches, companies and local organizations support and participate in Habitat for Humanity.

  • Homeowners are participants.

  • EVERYONE is considered a partner.

Thousands of students partner with Habitat through Collegiate Challenge, an alternative Spring break program.

Photo by Kim MacDonald


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Homeowners’ sweat equity

  • Our affiliate requires families to complete 500 sweat-equity hours:

    • Construction

    • Workshops

    • Office mailings

    • Interviews

  • Minimum of 16 hours a month

  • Family members or friends can help with this requirement.

Photos by Trevor Kobrin, Kim MacDonald and Neal Gallagher


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Required workshops for homeowners

  • Match Savings Account with Tabor CS (budgeting and financial planning)

  • Home Maintenance

  • Zoning and Permits

  • Being a Good Neighbor

  • Understanding Your Settlement Paperwork


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Steps of partnership for the homeowner

  • Complete the Application process (60-90 days).

  • Acceptance by Board of Directors.

  • Orientation for program.

  • Sweat equity hours are completed (6 mos – 2 yrs).

  • Home is built with your partnership.

  • Move In and Settlement on home.

    Average time frame – 1 to 2 years


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Typical financial obligations to buy a Habitat for Humanity house

Before home purchase:

  • Approximately 1% of sales price ~$1,500

    After home purchase:

  • Monthly mortgage payments, includes principal, taxes, and insurance:

    • Principal amount for 20-30 years (~$400)

    • Taxes and insurance vary each year

  • Payments: ~ $700-1,000


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House selling price house

Estimated costs for a home sold for $140,000:

Over 20 years, this equals a monthly principal payment of $584 + taxes and insurance.

Over 30 years, this equals a monthly principal payment of $389 + taxes and insurance


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Please know that… house

  • Some families apply 2 or 3 times before they become eligible.

  • We WANT to work with you. If you are not accepted the first time, please return to our office at a later date and apply again!


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Any Questions? house

Do you understand the requirements and criteria for homeownership?

Do you understand what Habitat for Humanity will offer?


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How to apply house

Return application by April 30, 2010

Applications are available here or in our office at 443 Fairview Ave., Lancaster

Contact: Deborah

717-392-8836 x 208


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Wait to hear from us… house

Make sure we can reach you by telephone!

If your contact

information changes,

please let us know.


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Lancaster Area houseHabitat for Humanity

Thank you for your time!

443 Fairview Ave.

Lancaster, PA 17603

www.lancasterhabitat.org

717-392-8836 x 208


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