Home Building for Home Ownership

Columbia County Habitat for Humanity builds homes with future homeowners and community volunteers. Once selected, partner families must contribute 300 hours of sweat equity – working on construction, at ReStore and/or in the Habitat office.

When completed, Habitat sells homes to partner families with affordable mortgages. Along the way, Habitat also prepares the families to be successful homeowners through first-time homebuyers classes before they close on their homes.

How To Become A Homeowner

APPLICATION PROCESS

If you’re interested in applying, the process begins when Habitat acquires property for a project. There are a few steps:

The first is to read and understand the detailed application criteria listed below. Then, fill out the Application for Housing and send it and other requested materials to the Family Selection Committee at the address on the form.

You must also:

  • Meet with Habitat staff to review your application and materials for completeness
  • Have a family interview in your home

INFORMATION YOU NEED TO KNOW TO APPLY FOR OWNERSHIP

Columbia County Habitat for Humanity’s mission is to build safe, affordable, sustainable homes for working families. Families for Habitat’s 2016-2017 construction project – 2 Passive Townhouses in Valatie – have been selected.

When our next project has been determined, we will post the location and specifics of that home or homes, as well as directions on how to apply for a Habitat home.

The information below is posted to give prospective partner families a picture of what Habitat homes are like and what the requirements are to qualify as a future Habitat homeowner.

Habitat’s 2-story Passive Townhouses in Valatie, now under construction, will feature –

  • 3 bedrooms, 1 1/2 baths
  • Open living/kitchen area, first floor adaptable-use room, and laundry space
  • Off-street parking and fenced backyard
  • High performance, energy-saving heating and cooling
  • Ichabod Crane School District
  • Approximately 1200 sf.

Habitat houses are built largely with volunteer labor.  Habitat affiliates do not make a profit from the sale.  Affordable monthly mortgage payments include a principle payment to Habitat and an escrow payment for taxes, home insurance, and water/sewer fees.

 

The Application Process:

Habitat Partner Families are chosen based on evaluation of three criteria:

  1. Ability to Pay

The total applicant household income must include income from all members of the household and must be documented by copies of paystubs, W-2s, benefit letters, etc.  Total household income must be enough for the family to be able to make affordable monthly payments, but cannot be below 25% or exceed 60% of the median income for Columbia County, based on family size, as shown in the table below. FY 2015 Median Income for County was $74,900.

Family Size 1 2 3 4 5 6 7 8
Income 60% $31,465 $35,960 $40,455 $44,950 $48,546 $52,142 $55,738 $59,334
Income 25% $13,150 $15,000 $16,850 $18,750 $20,250 $21,750 $23,250 $24,750

 

Habitat evaluates the financial readiness of each applicant household, but does not use credit scores as criteria. A credit report, however, will be run on an applicant to review the applicant’s general payment history.

  1. Willingness to Partner

Applicant(s) must be agree to:

  • Invest 300 hours in “sweat equity”. All families buying Habitat houses around the world help with the building of their own homes.  Friends and family members 16 years or older can participate to help to earn hours.
  • Attend an approved First-Time Homebuyers course before purchasing a Habitat home.
  • Take financial and maintenance responsibility for a Habitat home.
  • Submit to a Sex Offender database check and a Criminal Background Check as part of the application process.
  1. Need for Adequate Housing

Applicant(s) must demonstrate one or more of the following:

  • They are financially unable to obtain a conventional mortgage loan to purchase adequate shelter.
  • The current shelter is substandard and the problems(s) are assumed to be of such magnitude that simple maintenance of the defects is not a reasonable
  • The current shelter has an inadequate number of bedrooms as determined by the number, ages, and sex of household members.
  • The current neighborhood is unsuitable (unsafe or unsanitary).

HOMEOWNER EDUCATION

When you become a Habitat partner family, you’re required to complete first-time home-buyer education classes before home closing. Topics include money management, information about mortgages, how to stay financially fit and tips on home maintenance and safety.

This training program is designed to provide you with the knowledge to be a successful homeowner.

After you move into your home, a community volunteer will become your Family Advocate. She or he will provide a warm welcome and meet with you regularly to answer questions as they come up.

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.

GET INVOLVED WITH HOME BUILDING


All hands on deck! Join us today and help build a home.

Volunteer Now!

93% of every dollar Habitat raises goes to build affordable housing for working families.

Donate Now!

By phone, email or in person.

Contact Us!

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