OWN A HOME
WHAT IS HABITAT FOR HUMANITY?
Habitat for Humanity in Wayne County, Ohio is a nonprofit, Christian housing ministry dedicated to providing shelter and partnership to Wayne County families in need.
Habitat builds homes at reduced cost to families with limited incomes who are willing to contribute their own “sweat equity” in the building of homes for themselves and for others.
Homes are sold with no-interest loans to families who show a desire to become homeowners by completing the Habitat partnership requirements described below.
WHO QUALIFIES FOR HABITAT HOUSING?
If you have a stable family unit and have stable monthly income.
If you are living in substandard, overcrowded or inadequate conditions.
If your credit history is good (responsible use of credit and pay bills on time).
If you have an approximate annual income within the following range (adjusted yearly):
Family of 1 $17,400-$46,400
Family of 2 $19,900-$53,000
Family of 3 $24,860-$59,650
Family of 4 $30,000-$66,250
Family of 5 $35,140-$71,550
Family of 6 $40,280-$76,850
Family of 7 $45,420-$82,150
Family of 8 $50,560-$87,450
Applicants must be willing to complete a minimum of 6½ hours per month of sweat equity until purchase. A minimum of 300 sweat equity hours per adult are required.
HOW DO I APPLY?
Due to overwhelming interest, we are not accepting applications at this time.
You are able to get on our wait list for an application. Call 330-263-1713 to be placed on the application wait list. You will need to make monthly "Call-ins" to assure that we know of your continued interest when we are able to send out applications. Also, during the time you are waiting for an application you should clear up any credit issues such as collections, past due account, amounts owing from repossession, etc. The better your credit the better your application will viewed.
WHAT HAPPENS AFTER I COMPLETE MY APPLICATION?
Your application will be examined to see if it meets the basic Habitat homeowner requirements. If so, members of the Selection Committee will ask to visit you once or twice in your home. The Committee will ask the Board of Directors to review:
a) your application
b) the reports of the home visit for approval as a partner family. If approved, you will sign a “letter of agreement” and a member of the Family Advocates Committee will be assigned to assist you in completing the remaining homeowner requirements.
The remaining requirements consist of :
a) saving for the down payment
b) participating in a Habitat approved financial counseling program and home ownership classes
c) completing your sweat equity hours.
When you have completed these requirements, you will then be eligible to purchase your house after paying the down payment and the mortgage deed is signed. Then you will begin monthly payments of approximately 25% of monthly income. The monthly payment includes amounts for mortgage, property taxes, and homeowner’s insurance.
Finally, you should know that the process, from submitting an application to moving into your home, is likely to take two to three years.
Habitat for Humanity follows a non-discriminatory policy. Neither race nor religion is a factor in family selection. Homes are available on a continuing basis as land, materials and volunteer help are available.