Please submit the following items with your pre-application:

Transcription

1 Please submit the following items with your pre-application: 20 Credit Report Fee Proof of income (30 days of pay stubs or other sources) Bank Statements (30 days) for all accounts held by members of the household Copy of Photo ID for all adults in house (18 years or older) Please review before applying: Your income must fall between the minimum and maximum amounts for your family size. (Call for Hendry County figures.) Family Size Min. Income Max Income 1 16,744 30, ,744 36, ,160 40, ,300 45, ,440 48, ,580 52,350 Minimum income limits are for informational purposes only. Actual minimum income limits may be higher (determined by home selection and household debt load)

2 Don t Take Our Word For It! Listen to What Our Homeowners Have to Say... Place Stamp Here I had been renting, but the house was in foreclosure so I had to leave. I didn t want to keep renting. Some friends told me about Habitat for Humanity. Habitat is here to help you. I worked on my house. I would do my hours with Habitat during the day and work all night. I lost a lot of sleep during that time. I always dreamed that I could have a house, that my kids would have a house. I was living in Puerto Rico and I never had a home. My kids now have a place to call home. This is the perfect opportunity to have your own house and your dreams come true. - Viviana I ve been renting for almost 10 years with my three children. It s really hard when you re renting because kids want to paint and decorate and they want to do their own thing. I tried to go through mortgage lenders; I have a good stable job, but I kept getting denied because my household income wasn t enough for a mortgage and three kids. Several friends asked, Why don t you go to Habitat? I love Habitat! It is a wonderful program and has a ton to offer. It gives you education on how to take care of your home, on security and how to manage your money. It s not a hand out, it s a hand up. They are there to help you. I worked in the thrift store, and cleaned the office and painted a home they were working on. It was one of the best decisions I ve made for my life. I couldn t ask for anything better. - Misty Want to Learn More? Contact Habitat at (239) 652-HOME (4663) Visit us online at On Facebook: habitatforhumanityleecounty Habitat for Humanity of Lee and Hendry Counties, Inc N. Tamiami Trail N. Ft. Myers, FL How to Become a Habitat Homeowner Affordable Homeownership Low Monthly Payments

3 MISSION STATEMENT: Seeking to put God s love into action, Habitat for Humanity brings people together to build homes, communities and hope. Through the use of volunteer labor and donations of money and materials, homes are sold to the homeowners with an interest-free or low interest mortgage and monthly payments set at no more than 30% of the homeowner s gross income, making homeownership an affordable reality. We are pledged to the letter and spirit of U.S. policy for the achievement of equal housing opportunity throughout the nation. We encourage and support an affirmative advertising and marketing program in which there are no barriers to obtaining housing because of race, color, religion, sex, handicap, familial status, or national origin. BASIC REQUIREMENTS You must have lived or worked in Lee or Hendry County for the past 12 months You must be a US Citizen or Permanent Resident If married, you must apply with your spouse You must wait 3 years after foreclosure or bankruptcy has been finalized Note: Income information subject to change. Minimum income limits are for informational purposes only. Actual minimum income limits may be higher (determined by home selection and household debt load). Call for Hendry County figures.) Families are selected based on the following: 1. Need: Do You Qualify to Become a Habitat Homeowner? Family Size Min. Income Max Income 1 16,744 31, ,744 36, ,160 40, ,300 45, , ,580 52,350 You do not already own a home. You are currently living in substandard housing which would include any of the following conditions: Home is in poor physical condition Home is overcrowded Rent is subsidized Rent is more than 30% of income Your household gross income is below 80% of the area median income: 2. Ability to Pay: You have proof of at least 2 years of steady, verifiable, annual income You do not have any judgements or liens against you. You do not have excessive debt or multiple accounts in collection You pay your rent on time 3. Willingness to partner with Habitat: Contribute 300 hours of sweat equity Attend Habitat homeowner workshops Pay 1,700 toward closing costs To see if you qualify: Submit a Pre-Application during any open enrollment period along with the following : 20 Credit Report Fee Proof of income (30 days pay stubs or other sources) Bank statements (30 days) Copy of Photo ID for all adults in household To: Habitat for Humanity Family Services 1288 N. Tamiami Trail N. Ft. Myers, FL Register to attend a Homeowner Information Meeting by calling HOME (4663). We will talk about the application process, additional requirements that must be met and answer any questions you may have. Meetings are held periodically and run approximately 1 hour

4 Pre-Application Habitat Homeownership Program We are pledged to the letter and spirit of U.S. policy for the achievement of equal housing opportunity throughout the nation. We encourage and support an affirmative advertising and marketing program in which there are no barriers to obtaining housing because of race, color, religion, sex, handicap, familial status, or national origin. v2.0 Dear : Please complete this pre-application to determine if you qualify for the Habitat for Humanity homeownership program. Please fill it out as completely and accurately as possible. All information you include on this pre- application will be kept confidential in accordance with the Gramm-Leach-Bliley Act. 1. APPLICANT INFORMATION s name s name Social Security number Home phone Age Social Security number Home phone Age Married Separated Unmarried (Incl. single, divorced, widowed) Married Separated Unmarried (Incl. single, divorced, widowed) Dependents and others who will live with you (not listed by co-applicant) Dependents and others who will live with you (not listed by co-applicant) Name Age Male Female Name Age Male Female Present address (street, city, state, ZIP code) Own Rent Present address (street, city, state, ZIP code) Own Rent Number of years Number of years If living at present address for less than two years, complete the following Last address (street, city, state, ZIP code) Own Rent Last address (street, city, state, ZIP code) Own Rent Number of years Number of years 2. FOR OFFICE USE ONLY DO NOT WRITE IN THIS SPACE Date received: Date of notice of incomplete application letter: Date of adverse action letter: Date of letter to proceed: Date of information meeting attendance: Home Selection(s): Date of Selection Committee Approval): Date of Partnership Agreement:

5 3. WILLINGNESS TO PARTNER To be considered for Habitat homeownership, you and your family must be willing to complete a certain number of sweat-equity hours. Your help in building your home and the homes of others is called sweat equity and may include clearing the lot, painting, helping with construction, working in the Habitat office or other approved activities. I AM WILLING TO COMPLETE THE REQUIRED SWEAT-EQUITY HOURS: 4. PRESENT HOUSING CONDITIONS Yes No Number of bedrooms (please circle) Other rooms in the place where you are currently living: Kitchen Bathroom Living room Dining room Other (please describe) If you rent your residence, what is your monthly rent payment? / month (Please supply a copy of your lease or a copy of a money order receipt or canceled rent check.) Name, address and phone number of current landlord: In the space below, describe the condition of the house or apartment where you live. Why do you need a Habitat home? 5. PROPERTY INFORMATION If you own your residence, what is your monthly mortgage payment? / month Unpaid balance Do you own land? No Yes Monthly payment Unpaid balance 6. EMPLOYMENT INFORMATION Name and address of CURRENT employer From To Name and address of CURRENT employer From To Job Title Paid: Weekly Bi-Weekly Other Pay Rate: Hours per week: # Business phone Job Title Paid: Weekly Bi-Weekly Other Pay Rate: Hours per week: # Business phone If working at current job less than two years, complete the following information Name and address of LAST employer From To Name and address of LAST employer From To Job Title Paid: Weekly Bi-Weekly Other Pay Rate: Hours per week: # Business phone Job Title Paid: Weekly Bi-Weekly Other Pay Rate: Hours per week: # Business phone

6 7. MONTHLY INCOME Please enter all monthly income. Alimony, child support or separate maintenance income need not be revealed if the applicant or co-applicant does not chose to have it considered for repaying this loan. Income Source Others in household Total Employment Income TANF Alimony Child support Social Security SSI Disability Other Other Other Other Total Household members whose income is not listed above PLEASE NOTE: Self-employed applicants may be required to provide additional documentation such as tax returns and financial statements. Name Income source Monthly income Date of birth 8. SOURCE OF CLOSING COSTS Do you have sufficient funds saved to make payments toward your closing costs? If not, where will you get the money to pay for closing costs? 9. ASSETS Name of bank, savings and loan, credit union, etc. Address City, state ZIP Account number Current balance

7 10. DEBT To whom do you and the co-applicant(s) owe money? Account Monthly payment Unpaid balance Months left to pay Monthly payment Unpaid balance Months left to pay Automobile Other motor vehicle/boat Furniture, appliance, televisions (includes rent-to-own) Alimony Child support Student Loan Payday\Title loans Credit card Total medical Other Other Total Monthly expenses Account Total Rent Utilities Insurance Child care Internet service Cell phone Land line Other OPther Other Other Other Total

8 11. DECLARATIONS Please circle the word that best answers the following questions for you and the co-applicant a. Do you have any outstanding judgments because of a court decision against you? Yes No Yes No b. Have you been declared bankrupt within the past three years? Yes No Yes No c. Have you had property foreclosed on in the past three years? Yes No Yes No d. Are you currently involved in a lawsuit? Yes No Yes No e. Are you paying alimony or child support? Yes No Yes No f. Are you a U.S. citizen or permanent resident? If Permanent Resident, in what country were you born?. Yes No Yes No g. Have you ever served in the military? Yes No Yes No h. Have you ever applied for a Habitat home before? Yes No Yes No If you answered no to question f, or "yes" to any other question, please explain. 12. AUTHORIZATION AND RELEASE I understand that by filing this application, I am authorizing Habitat for Humanity to evaluate my actual need for the Habitat homeownership program,my ability to repay the no-interest/low-interest loan and other expenses of homeownership, and my willingness to be a partner through sweat equity. I understand that the evaluation will include personal visits, a credit check and employment verification. I have answered all the questions on this application truthfully. I understand that if I have not answered the questions truthfully, my application may be denied, and that even if I have already been selected to receive a Habitat home, I may be disqualified from the program. The original application will be retained by Habitat for Humanity along with all related documentation even if the application is not approved. I understand that additional requirements must be met before being selected for the Habitat program. I also understand that Habitat for Humanity screens all applicant families on the sex offender registry. By completing this application, I am submitting myself to such an inquiry. I further understand that by completing this application, I am submitting myself to a criminal background check. signature Date signature Date X X Other household members 18 years and older: I understand that Habitat for Humanity screens all partner families on the sex offender registry. By signing below, I am submitting myself to such an inquiry. I further understand that by signing this application, I am submitting myself to a criminal background check. Print Name: Date: Print Name: Date: Signature: Signature: Print Name: Date: Print Name: Date: Signature: Signature: PLEASE NOTE: If more space is needed to complete any part of this application, please use a separate sheet of paper and attach it to this application. Please mark your additional comments with A for applicant or C for co-applicant. s name s name

9 13. INFORMATION FOR GOVERNMENT MONITORING PURPOSES PLEASE READ THIS STATEMENT BEFORE COMPLETING THE BOX BELOW: The following information is requested by the federal government for loans related to the purchase of homes, in order to monitor the lender s compliance with equal credit opportunity and fair housing laws. You are not required to furnish this information, but are encouraged to do so. The law provides that a lender may neither discriminate on the basis of this information, nor on whether you choose to furnish it or not. However, if you choose not to furnish it, under federal regulations this lender is required to note ethnicity, race and sex on the basis of visual observation or surname. If you do not wish to furnish the information below, please check the box below. I do not wish to furnish this information Race (applicant may select more than one racial designation): American Indian or Alaska Native Native Hawaiian or other Pacific Islander Black/African-American White Asian I do not wish to furnish this information Race (applicant may select more than one racial designation): American Indian or Alaska Native Native Hawaiian or other Pacific Islander Black/African-American White Asian Ethnicity: Hispanic or Latino Non-Hispanic or Latino Ethnicity: Hispanic or Latino Non-Hispanic or Latino Sex: Female Male Sex: Female Male Birthdate: / / Birthdate: / / Marital status: Married Separated Unmarried (Incl. single, divorced, widowed) Marital status: Married Separated Unmarried (Incl. single, divorced, widowed) To be completed only by the person conducting the interview Interviewer s name (print or type) This application was taken by: Face-to-face interview By mail By telephone Interviewer s signature Interviewer s phone number Date Revised