How are partner families selected?

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.
Example: Under current levels, a family of four can make $12,094 to $29,025 (includes ALL sources of family income)

Be able to make monthly mortgage payments of $300 to $350 a month, but NOT be able to qualify for a conventional mortgage
Be able to save $500 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
90 Applicant hours on construction -- 60 on own house
10 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
90 hours each Applicant on construction -- 60 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 2007, 2008 and 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