How to Apply
How are Partner Families Selected?
Our
Family Selection committee reviews the applications and chooses families
based on their need for better shelter, their willingness to become
partners in the program, and their ability to repay the no-interest
mortgage. Applicants must have lived or worked in Bulloch County for at
least one year at the time of application. Neither race nor religion is
a factor in choosing partner families. When the Application Fair is
scheduled, people will be notified by mail.
***Habitat for Humanity of Bulloch County does not provide home repairs, rental assistance or emergency housing assistance, but will refer to other agencies when possible.
Criteria for Application
Live or work in Bulloch County for at least one year Be in NEED of adequate housing Be able to pay for a no-interest mortgage, based on credit and income Be willing to partner with Habitat on their own and others� houses
Be in NEED of adequate housing
- House physically substandard
- House too small for family size
- Temporary or living with others
- Too expensive for family pay
- Not accessible for disabled
- family member
- Just wanting a house is NOT enough!
Be able to pay for a no-interest mortgage, based on credit and income
- Total family income at 25-60 percent of most current HUD median income levels at time of application (minimum $10,000).
- Be able to make monthly mortgage payments of approximately $350 a month, but NOT be able to qualify for a conventional mortgage.
- Be able to save $750 for a down payment
- Have a credit history that shows reasonable effort to pay debts owed.
Credit history is important. You will NOT be eligible if:
- You have declared bankruptcy within the past three years or are still in bankruptcy
- Your credit history shows too many late/unpaid bills or write-offs by businesses you owed
- You owe too much money compared to your income
- You have unpaid judgments or liens against you.
Be willing to partner with Habitat on their own and others' houses
- Sweat equity -- labor on your own and others� houses, work at Habitat Home Shop or office
- Attending Homeowner Education sessions and other events
- Taking responsibility � this will be YOUR house!
Sweat Equity and Homeowner Education
- One Applicant -- 300 hours 100
- Applicant hours on construction -- 70 on own house
- 15 Applicant hours in Homebuyer Education classes
- Up to 100 may be earned by friends, co-workers or extended family, at rate of one Sweat Equity hour for two hours worked
- Co-Applicants -- 400 hours
- 100 hours each Applicant on construction -- 70 each on own house
- 10 hours each Applicant in Homebuyer Education classes
- Up to 100 may be earned by friends, co-workers or extended family, at rate of one Sweat Equity hour for two hours worked.
About Habitat Houses and Statesboro Pointe
- Habitat for Humanity of Bulloch County serves Bulloch County only
- We are currently in partnership with the City of Statesboro to develop Statesboro Pointe subdivision and expect all our houses for 2009 to be built in Statesboro Pointe
- House size will depend on family size, and will be two, three or four bedroom
- Children of the same sex will be expected to share rooms Basic house includes living room, dining area, kitchen, laundry closet, bedrooms and bath
- Habitat is NOT a custom builder, and uses donated or discounted materials where available
Free Credit Reports
Under Georgia law, consumers can get two free copies of their credit report each year. By reviewing their credit reports, consumers can discover errors in their credit files, problems which they need to take care of and catch attempts at identity theft.
To order: Annual Credit Report
More information on credit reports
Apply
Anyone
interested in applying for a Habitat home should contact the Habitat
office at 489-2076, or email
habitat@habitatbulloch.org and provide their name and mailing
address for our interest list.
Affordable Housing Task Force
Habitat for Humanity has joined with other agencies concerned about affordable housing to create the Bulloch County Affordable Housing Task Force.
Other sources of Affordable Housing Information
