Family Selection Criteria

volunteer-with-habitat

1. NEED

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 city property maintenance standards. Also taken into consideration are the number, the ages and the sex of children compared to the number of bedrooms in your home.
You must currently live in Jackson County.
The percentage of your monthly income that you currently spend on housing is considered to determine need. You will be required to openly and fully discuss your financial situation with a Habitat interview.
You and your family will be considered if your total income is between 40-75% of the Jackson median income using the current year HUD limits.

2. ABILITY TO PAY

Since you will actually be buying your home from Habitat, you must demonstrate your ability to pay the monthly mortgage payment. This payment will include not only the mortgage payment, but the payment for real estate taxes and insurance. We will help you to determine if this payment will jeopardize your ability to meet all 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.

3. WILLINGNESS TO PARTICIPATE WITH HABITAT

When selected, you become a “partner family” with Habitat. As a partner family, you must complete 500 hours of volunteer work, or “sweat equity”. “Sweat equity,” includes helping with the construction of your home and the homes of others doing things such as clearing the lot and painting. Sweat equity may also be earned volunteering at the thrift store. The 500 hours of “sweat equity” must be completed before moving into your home.

 

FOR MORE INFORMATION ON PROGRAM ELIGIBILITY, PLEASE CALL, (850) 482-2187, OR SEND AN E-MAIL TO, ED@JCHABITAT.COM