The following three fold criteria is used for all programs at Blue Water Habitat for Humanity. The extent of each qualification varies by program. It is best to speak with a family services representative before disqualifying yourself. Please note, all programs offered through Blue Water Habitat for Humanity require some form of payback. For homeownership the payback is in the form of a home mortgage; for repair programs the payback varies depending on repair and applicant.
At least one of these conditions must be present:
*Inadequate shelter--problems with heat, water, electricity, etc.; inadequate number or size of bedrooms to accommodate family needs; unsafe living conditions.
*Inadequate resources--lack of personal resources to buy, rent, build or repair adequate shelter; inability to qualify for VA, FHA, conventional or governmental loan programs. Or your current housing cost exceeds 30% of your monthly gross income.
ABILITY TO PAY
*Must fall within BWHFH's income quidelines. See income chart here ; based on county where you reside and family size. Please note there are two charts for each county; the homeownership program assists families making 30-60% of the area median income, home repair programs assist families making 30-80% of the area median income.
*Record of stable employment or income for more than one year.
*Income for house payment, insurance and taxes (in addition to other expenses currently stated for each family).
-Projected housing expenses (including utilities) will be 30% of income
-Existing long term debt is less than or equal to 40% of gross monthly income.
*Ability to pay a down payment to BWHFH (for homeownership program); payable over time after acceptance into the program.
WILLINGNESS TO PARTNER
All of the following must be met:
*Eagerness- Fill our appropriate application or prescreen for the programs listed below:
-Home Repair Pre-Screen Questionnaire (Click here to complete and then print form)
-Return requested material in a timely manner
-Participation in informational meetings (homeownership)
-Completion of additional paperwork in timely manner
-Of sweat equity policy for applicant, co-applicant and other household members
-Of Habitat's house design policy
-Of financial responsibility of home maintenance and care
-Of the expectations in the letter of acceptance
-Of the importance of monthly, on time mortgage/loan payments, without default
-Of BWHFH's need for willing and active partners, during and after the construction, rehabilitation or repair of your Habitat project.