For More Information about our Homeownership Program, Please Contact:

Homeownership with Habitat for Humanity Las Vegas is a partnership. Families must demonstrate need, qualify financially, be willing to do sweat equity as Habitat volunteers and complete homeownership training courses. In exchange, families have the opportunity to buy a safe, decent Habitat home with an affordable mortgage payment. For More Information about our Homeownership Program, Please Contact: Michelle Reardon Homeownership Program Coordinator micheller@lasvegashabitat.org (702) 638-6477 ext. 108 website: www.lasvegashabitat.org

Minimum Eligibility Requirements o Family is in need of adequate housing o Income must fall within current HUD low-income limits Includes: Wages, SSI, SSDI, etc. o Debt-Income Ratio cannot exceed 43% of gross monthly income o Must not have excessive debt o Must be a legal, permanent resident of the United States o Must be a Clark County resident for the past 12 months o Must not have any active liens or judgments o Must be able to pass a background check o Must not have owned a home in the past 2 years o Must not have filed for bankruptcy in the past 2 years Program Requirements o Must complete 300 Hours of Sweat Equity o Must pay approx. 3000 for Closing Costs (subject to change) o Must purchase first year of Homeowners Insurance o Must accept home at location in which you applied Post-Purchase Partnership o Habitat home must be your primary residence. o Home cannot be sold, leased or transferred without prior written consent from Habitat. o Property must be maintained at all times. o In the event of default or non-payment, homeowner(s) must participate in Habitat s Delinquency and Foreclosure Prevention Program. Failure to participate or complete program can result in foreclosure. If you are interested in applying to become a family partner with Habitat for Humanity Las Vegas, you must follow the Application Instructions provided in this packet. For questions on how to apply, contact: Michelle Reardon Homeownership Program Coordinator micheller@lasvegashabitat.org (702) 638-6477 ext. 108

NOW ACCEPTING APPLICATIONS FOR THE FOLLOWING HABITAT HOMES! 2016/2017 HENDERSON, NV Jefferson Blvd. 6 Townhouses Available! Brand New 3-5 Bedroom Townhomes New Appliances & Private Backyards Walking Distance to Elementary School, Community Center & Pool, Boys & Girls Club Near Bus Lines & Shopping Close to New Water Park & Movie Theaters Applications Open: May 23 2016 August 26, 2016 2017/2018 HENDERSON, NV Jefferson Blvd. More Townhouses Available Soon! Brand New 3-5 Bedroom Townhomes New Appliances & Private Backyards Walking Distance to Elementary School, Community Center & Pool, Boys & Girls Club Near Bus Lines & Shopping Close to New Water Park & Movie Theaters COMING IN 2017/2018! Once you have reviewed your application packet, visit our website at www.lasvegashabitat.org to register for the required Homeownership Orientation. SPACE IS LIMITED. Registration is first come, first serve and fills up very quickly, so register as soon as possible! ORIENTATION DATES June 18, 2016 July 16, 2016 August 6, 2016 0% Fixed Interest Loan! No Down Payment! ORIENTATION LOCATION 4580 West Sahara Ave #120, Las Vegas Nevada If you need assistance or have questions, please contact Michelle Reardon at micheller@lasvegashabitat.org or (702)638-6477 ext.108

MINIMUM QUALIFICATION REQUIREMENTS APPLICANTS: Must have income between current HUD low-income limits (see below). Must have a debt-to-income ratio not exceeding 43% of gross monthly income. Must not have excessive debt. Must be a legal, permanent resident of the United States. Must be a Clark County resident for the past 12 months. Must not have any active liens or judgments. Must be able to pass a background check. Must not have owned a home in the past 2 years. Must not have filed for bankruptcy in the past 2 years. 2016 HUD INCOME LIMITS Family Size Minimum Annual Income Maximum Annual Income 1 12,650 33,750 2 16,020 38,550 3 20,160 43,350 4 24,300 48,150 5 28,440 52,050 6 32,580 55,900 7 36,730 59,750 8+ 39,750 63,600 If you need assistance or have questions, please contact Michelle Reardon at micheller@lasvegashabitat.org or (702)638-6477 ext.108

APPLICATION INSTRUCTIONS AND PROCESS PLEASE FOLLOW STEPS BELOW. NOT DOING SO CAN RESULT IN AUTOMATIC DENIAL. FOR QUESTIONS, CALL: (702) 638-6477 ext. 108 or EMAIL: micheller@lasvegashabitat.org To apply, pick up a Homeownership Program Application Packet from Habitat Las Vegas s administration office located at 4580 West Sahara Ave in Las Vegas, Nevada OR Print an application packet from our website at: www.lasvegashabitat.org. CAREFULLY READ and review ALL packet materials first, before doing anything else. REGISTER for Homeownership Orientation online at www.lasvegashabitat.org. Please be aware that registration is first-come-first-serve and seats fill up quickly. CAREFULLY COMPLETE the Homeownership Program Application Form included in packet. DO NOT SUBMIT ANY APPLICATION MATERIALS UNTIL YOUR APPLICATION INTERVIEW. Be sure to write legibly. Application can be denied if we are unable read it. If married, spouse must be listed as a co-applicant. Income is based on gross income sources (before taxes and insurance). Non-taxable income will be grossed up to 125%. Self-employed applicants must be prepared to provide 2 years of tax returns and profit-and-loss statements. Be sure to sign and date application. Complete Applicant Biography. Complete Applicant Questionnaire and Co-Applicant Questionnaire. Attend the required Homeownership Orientation. No need to bring your application packet to orientation, unless you have questions or need assistance. BE ON TIME! Doors will be locked immediately at start time. Please leave children at home. After you have received your Orientation Certificate of Completion, you must schedule an Application Interview. It is only during the Application Interview that you will Submit Your Completed Application Packet and Orientation Certificate of Completion. If Application Interview results in a denial, you may re-apply in 6 months. If Application Interview requires you to submit Additional Documentation, you will have 30 days to submit. TIP: The sooner you submit documentation, the sooner Habitat can process your application. If you are directed to begin gathering documentation, you will also be required to schedule and begin your first 25 hours of Sweat Equity, which must be completed in 30 days. Once all documentation has been received and processed, and if Habitat has decided to move forward with your application, you will be contacted to schedule an Interview with Habitat s Executive Director and a Home Visit Evaluation with a volunteer member of the Homeowner Services and Support Committee. If both interviews are successful, the Homeowner Services and Support Committee will recommend your application to the Habitat Board of Directors for Program Approval. If you receive Program Approval, Congratulations! You ve been approved to participate in Habitat s Homeownership Program, which means your loan application has been pre-approved!

HOMEOWNERSHIP PROGRAM PROCESS Once approved into the program, you must begin working on 300 Hours of Sweat Equity. 150 hours = Mandatory construction site hours. 100 hours = Can be donated by friends/family/volunteers and/or completed in the ReStore. 50 hours = Homeownership and financial literacy classes, including Dave Ramsey s 9-week Financial Peace University course. (You must complete at least 25 sweat equity hours per month to remain in the program.) A payment of 3,000 for Closing Costs is required before loan approval. You can pay this in monthly installments or make a one-time payment. You ll need to save an additional 500 to Purchase Your First Year s Homeowner Insurance. Please Note: Non-compliance of any program requirement can result in removal from the program. HOME LOAN PROCESS Once your home is built and ready for dedication, and you have completed all of the program requirements, Habitat will begin processing your Home Loan Application. A 2nd Round of Income Verification, Credit and Background Checks will then be completed. Updated documentation will also be required. Once Home Loan is approved, you will schedule a Loan Closing Appointment to receive the following: Home Appraisal and Title Report Mortgage, Sale and Pricing Information Federal/State Mandated Disclosures Once Proof of Homeowner s Insurance is received, Habitat will schedule your Home Dedication and Loan Closing. POST-PURCHASE PARTNERSHIP Congratulations, You re a Homeowner! Habitat Home must be your primary residence. Home cannot be sold, leased or transferred without prior written consent from Habitat. All aspects of property must be maintained at all times. In the event of default/non-payment, homeowner(s) must participate in Habitat s Delinquency and Foreclosure Prevention Program. Failure to complete program can result in foreclosure. Be mindful that, although you have a fixed 0% interest mortgage, your monthly payment may increase/decrease annually due to changes in property taxes and/or homeowner s insurance. Habitat has no pre-payment penalties on its mortgages; however, in the event that the 1 st mortgage is prepaid, all remaining balances shall become due. Though Habitat homes are warrantied for 1 year, homeowners are legally responsible to repair and maintain their properties. So it is vital to budget for routine maintenance and major repairs. It is also very important that Homeowners maintain updated contact information with Habitat. Feel free to contact Habitat for Humanity Las Vegas at any time with questions or concerns. HAPPY HOMEOWNERSHIP!

Las Vegas Habitat for Humanity Las Vegas 4580 W. Sahara Ave, #120 Las Vegas, NV 89102 702-638-6477 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. Dear Applicant: Please complete this application to determine if you qualify for the Habitat for Humanity homeownership program. Please fill out the application as completely and accurately as possible. All information you include on this application will be kept confidential in accordance with the Gramm-Leach-Bliley Act. 1. APPLICANT INFORMATION Applicant Co-applicant Applicant s name Co-applicant s name Social Security number Home phone Age Social Security number Home phone Age Married Separated Unmarried (Incl. single, divorced, widowed) Dependents and others who will live with you (not listed by co-applicant) Name Age Male Female Present address (street, city, state, ZIP code) Own Rent Married Separated Unmarried (Incl. single, divorced, widowed) Dependents and others who will live with you (not listed by co-applicant) Name Age Male Female 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 selection committee approval: Date of board approval: Date of partnership agreement:

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, attending homeownership classes or other approved activities. I AM WILLING TO COMPLETE THE REQUIRED SWEAT-EQUITY HOURS: 4. PRESENT HOUSING CONDITIONS Yes No Applicant Co-applicant Number of bedrooms (please circle) 1 2 3 4 5 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 If you wish your property to be considered for building your Habitat home, please attach land documentation. 6. EMPLOYMENT INFORMATION Applicant Co-applicant Name and address of CURRENT employer Years on this job Name and address of CURRENT employer Years on this job Monthly (gross) wages Monthly (gross) wages Type of business Business phone Type of business Business phone If working at current job less than one year, complete the following information Name and address of LAST employer Years on this job Name and address of LAST employer Years on this job Monthly (gross) wages Monthly (gross) wages Type of business Business phone Type of business Business phone

7. 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 Applicant Co-applicant Others in household Total Wages TANF Alimony Child support Social Security SSI Disability Section 8 housing Other Other Other Total Household members whose income is 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 DOWNPAYMENT AND CLOSING COSTS Where will you get the money to make the down payment (for example, savings or parents)? If you borrow the money, whom will you borrow it from, and how will you pay it back? 9. ASSETS Name of bank, savings and loan, credit union, etc. Address City, state ZIP Account number Current balance

10. DEBT To whom do you and the co-applicant(s) owe money? Applicant Co-applicant Account Monthly payment Unpaid balance Months left to pay Monthly payment Unpaid balance Months left to pay Other motor vehicle Boat Furniture, appliance, televisions (includes rent-to-own) Alimony Child support Credit card Credit card Credit card Total medical Other Other Total Monthly expenses Account Applicant Co-applicant Total Rent Utilities Insurance Child care Internet service Cell phone Land line Business expenses Union dues Other Other Other Total

11. DECLARATIONS Please circle the word that best answers the following questions for you and the co-applicant Applicant 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 seven years? Yes No Yes No c. Have you had property foreclosed on in the past seven 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? Yes No Yes No If you answered yes to any question a through e, or "no" to question f, please explain on a separate piece of paper. 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 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 or a copy of this application will be retained by Habitat for Humanity even if the application is not approved. 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. Applicant signature Date Co-applicant signature Date X X 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.

Applicant's name Co-applicant's name 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. Applicant Co-applicant 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

APPLICANT BIOGRAPHY Applicant: Co-Applicant: How did you hear about Habitat for Humanity Las Vegas? How long have you been in Clark County? Tell us a little bit about yourself and your life in Clark County (i.e.: employment, family, education, church, traditions, hardships, etc.). Page 1 of 3 FORM HM.D007

Does anyone in your household have any special needs or requirements? If so, how can Habitat Las Vegas help? What are your interests and hobbies? What accomplishments have you had in the past five years? What goals do you have for the next five years? Page 2 of 3 FORM HM.D007

Tell us how owning a Habitat home will benefit you and your family. _ What is one unique thing about you that not many people know? _ Anything else you would like us to know? Add additional sheets of paper, if necessary. Thank you! Page 3 of 3 FORM HM.D007

APPLICANT QUESTIONNAIRE This form is optional and is not required in order to qualify for a Habitat home. However, your participation helps Habitat Las Vegas apply for grants and other funding, which are vital to our organization and to our ability to build homes for families in the future. We would greatly appreciate your help. Thank you. Applicant Name: Please check the following boxes that apply to you. Race: American Indian or Alaska Native Asian Black or African American Caucasian or White Ethnicity: Hispanic or Latino Native Hawaiian or Other Pacific Islander Not Hispanic or Latino Primary Language Spoken: Marital Status: Single Married/Domestic Partnership Separated Female Head of Household Divorced Widowed Active Duty Military If so, which branch: Current Duty Station: Veteran If so, which branch: Gay/Lesbian Bi-sexual Transgender Other: Person with Special Needs in Household Please describe: Educational Attainment: Less than High School High School Diploma or Equivalent Some College Vocational/Technical Certification Associates Degree Bachelor s Degree Master s Degree or Higher

CO-APPLICANT QUESTIONNAIRE This form is optional and is not required in order to qualify for a Habitat home. However, your participation helps Habitat Las Vegas apply for grants and other funding, which are vital to our organization and to our ability to build homes for families in the future. We would greatly appreciate your help. Thank you. Co-Applicant Name: Please check the following boxes that apply to you. Race: American Indian or Alaska Native Asian Black or African American Caucasian or White Ethnicity: Hispanic or Latino Native Hawaiian or Other Pacific Islander Not Hispanic or Latino Primary Language Spoken: Marital Status: Single Married/Domestic Partnership Separated Female Head of Household Divorced Widowed Active Duty Military If so, which branch: Current Duty Station: Veteran If so, which branch: Gay/Lesbian Bi-sexual Transgender Other: Person with Special Needs in Household Please describe: Educational Attainment: Less than High School High School Diploma or Equivalent Some College Vocational/Technical Certification Associates Degree Bachelor s Degree Master s Degree or Higher

NOTICE OF RIGHT TO RECEIVE COPY OF APPRAISAL Habitat for Humanity Las Vegas may order an appraisal or other property valuation in connection with your loan and we may charge you for this appraisal or property valuation. Upon completion of the appraisal or property valuation, we will promptly provide a copy to you, even if the loan does not close. You can pay for an additional appraisal for your own use at your own cost. Thank you for your interest in the Habitat for Humanity Las Vegas Homeownership Program. Please do not hesitate to contact us with additional questions. 4580 W. Sahara Ave. Suite 120 Las Vegas, NV 89102 Phone 702-638-6477 FAX 702-638-6478 www.lasvegashabitat.org