|
Home
Donate
Volunteer
Partners
& Providers
Becoming a Home Owner
FAQs
Women Build
ReStore
Construction
Projects:
Purchasing
&
Bid Opportunities
Contact Us
Vision 2020
Global Village
Word from Director
|
|
FAQ's..........potential
home owners
See FAQ's
general
or
volunteers
Who can qualify for a Habitat house?
In general, any family who meets the 4 basic Habitat criteria can qualify for a house. Often these are families who are unable to
meet the income and credit history requirements of banks. For more
detailed information, see our
Homeownership
Application.
What 4
criteria must a family meet to partner with Macomb Habitat?
-
A Need for Shelter: Your
current housing conditions are substandard. This could be due to
structural, plumbing, heating, overcrowding, or infestation
problems, as examples.
-
A Willingness to Partner: 250 sweat equity hours are required of each adult family member.
This may include Habitat office work, helping with Habitat functions, or on-site building.
-
Ability to Pay: Employment, credit ,
and manageable debt histories areall reviewed and weighed.
-
Residency:
You must be a resident of Macomb County for six (6) months minimum.
Once I submit the
Homeownership
Application,
then what?
Wait to hear from
the Family Selection Committee--typically this will occur within one
month of Application turn-in. One of three
scenarios will occur: 1) You
will receive a letter requesting additional information.
2) You may receive a denial letter.
3) You may receive a call asking to
schedule a home visit.
Is a credit check required?
Yes, a credit check is required of all families who
proceed beyond the Financial Review Meeting.
Must I be working to qualify for a Habitat
house?
No, you are not required to be working to qualify.
You must, however, meet the income requirements.
Will a "bankruptcy" make
me ineligible for a Habitat house?
Macomb Habitat requires applicants to wait a
minimum of two years after a bankruptcy before
applying for a Habitat home. This 2 year wait gives Habitat a window to
see how successfully you've managed your finances since the bankruptcy.
Are food stamps considered income?
No, food stamps are not considered income.
C an I still apply for a Habitat
home if I'm currently Section 8 and/or qualify for low-income government housing?
Yes, you may still apply for a Habitat home.
Your overall "need" will be ranked as lower than many of the other
applicants, however, so your chances of getting a Habitat home are probably
slimmer.
What are the timeframes for
application approval and building completion?
The wait - once your initial application
materials are turned in - can be up to five months. As the process is
quite involved and there is so much at stake, the Family Selection
Committee and the
Board of Directors take ample time to thoroughly consider each family's
unique situation. Applicants determined "ineligible" are usually notified within
a month.
The building process can take 3 to 5 months,
somewhat dependent on weather, volunteer labor & materials.
If approved, do I get to choose
from among the available locations?
No, you cannot choose your location, though, you
do have the option of turning down a
location. The next available family is then offered that location and your
name is put back on the waiting list.
|
|
Apparel
Store