The Habitat housing
program is a helping hand, not a handout. The only thing given away is the opportunity to be a homeowner.
Habitat for Humanity
keeps homes affordable by using as much volunteer labor and donated materials as possible.
Houses are sold at no interest and no profit to families whose income does not allow them to buy a house through conventional
methods, but is sufficient to purchase a no-profit, zero-interest loan Habitat
for Humanity house.
The requirements to be considered for a Habitat house include:
· The applicant(s) must be resident(s) of Oconee
County for a minimum of one year before he/she/they can submit
· Applicants current housing must be sub-standard or inadequate for the family size.
· There must be sufficient stable, verifiable household income in order to make monthly payments of principal and to
a tax and insurance escrow account as well as maintaining the house. If employed you should be in your current job for a minimum
of one year or have a history of steady employment. Apllicant(s) do not need to be employed to qualify but need a steady source
of income such as Social Security, Supplemental Security Income, Disability Insurance Income, food stamps or Court ordered
child support or alimony.
If applicant(s) is/are separated and not legally
divorced, or if they have a judgement for unpaid debt or have recently gone through bankruptcy - the application cannot be
· Income guidelines used specify that total income be within 100% to 150% of the Federal Poverty Level.
· Applicants must demonstrate a willingness to partner with Habitat. All families are required to complete 250 hours
of sweat equity, the hands-on work of Habitat. Either family or friends can perform a portion of the total hours required.
Partnership also means that the approved applicant(s) will pay their mortgage on time, attend programs to learn and practice
budgeting, home repair and maintenance.
If you are interested in Habitat and if you believe you
might qualify for a home according to the above guidelines you need to request a Habitat for Humanity Family Selection Committee
pamphlet –“Guidelines for Applying for a Habitat House” by calling 864-888-2118. Included in the pamphlet
is a blue post card that must be filled out, signed and returned. Those who have returned the blue post card will be invited
to an application meeting where they can apply for a Habitat house. The purpose of the application meeting is to provide you
with sufficient information about Habitat before you apply and fill out an application. The applicant selection process is
impartial. Race, ethnic origin, color, religion, marital status, sex and age are not considered and therefore play no part
in the decision.
After you complete your application, the Family Selection
Committee will review it. The initial assessment will involve a careful review of your income, current debt and credit history.
We will confirm employment and other income, verify checking and savings account balances, get statements from your current
and previous landlords, obtain a credit report and ask you for credit references.
After passing this initial screening, you will be visited in your current residence
by two committee members who will evaluate your current housing situation and verify or collect missing application information.
If after the review of this visit you still seem to meet the criteria, there will be a second visit by two different committee
members. They will conduct another independent housing evaluation and clarify any final questions.
A final review of your application will be made by the Family Selection Committee
and recommendations will be made to the Executive Committee and the Board of Directors for their final review and confirmation.
process can take four to five months. Please be patient - we will handle your application as quickly as possible. If you have
any questions, please call (864) 888-2188.
Notice: The Federal Equal Credit Opportunity Act prohibits creditors from discriminating
against credit applicants on the basis of race, color, religion, national origin, sex, marital status, age; because all or
part of the applicants income derives from any public assistance program; or because the applicant has exercised in good faith
any right under the Consumer Trade Commission, Washington, D.C. 30580