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Habitat for Humanity of Pike County, Inc.
(HFHPC) is a Christian housing ministry which is financed through
private donations and which utilizes volunteer labor to aid families
who could not otherwise afford to access suitable decent housing.
Applicants are sought who meet the following requirements and agree to
abide by the guidelines set forth below. The purpose of Habitat is to
build homes or remodel existing home to meet the needs of selected
families. Habitat will basically provide the construction agreed upon
for the selected family at cost, with no profit accruing to HFHPC and
with no interest charged to the applicant, for a family meeting the
following requirements.
Please read the following to ensure that your family meets the general
requirements.
- Need for Housing. You must
verify that you are without satisfactory housing for your family or
that the home or apartment you now live in is unsatisfactory due to the
size of your family or the condition of the residence. Such conditions
might include, but not limited to, poor heating, plumbing, electrical
system, or a leaky roof. You must also verify that you cannot obtain a
conventional mortgage from another source. In addition HFHPC expects a
1 year prior residency in Pike County. Because the Habitat mission
focuses on low income families, the maximum allowable annual income is $36,245.00
for a family of four.
- Ability to Pay. You must
have a minimum annual income of $23,065.00
for a family of four and you must be able to make a small down payment
at closing (estimated to be $1,500.00 to $2,000.00). The actual amount
for closing costs will depend upon the total construction and transfer
costs. You must give written permission for HFHPC to make a complete
check of all family assets, income, credit and debts and to allow HFHPC
to obtain verification of all information you provide on the
Application for Housing, including statements from landlords, banks,
creditors and references. Selected applicants will be expected to make
timely monthly mortgage payments which will be used by HFHPC to finance
the building of other homes.
- Willingness to Partner.
Selected applicants must be willing to participate in Habitat programs
which are designed to aid families in such areas as budgeting and home
maintenance. Selected families must commit themselves to provide a
minimum of 400 hours of sweat equity to be completed prior to
occupancy. Sweat equity can take the form of actual work on your own
house or other Habitat houses, to help in Habitat fund raising, office
work or other tasks determined by HFHPC. A minimum of 200 hours must be
committed by the family members(s) designated as the applicant. The
other 200 hours may be provided by other family members, relatives or
friends.
- All applications will be reviewed in detail
and qualified applicants will be required to meet in person with
representatives to further review their needs, their qualifications and
the expectations of Habitat for Humanity of Pike County. Families not
accepted initially may reapply, stating the changes in their
circumstances which they believe would justify reconsideration.
- Because HFHPC will only be able to help a
fraction of the qualified families in need of housing, approved
applicants will be placed on a list in order of the priority of need.
The family selected as most qualified will be offered the agreed upon
home or construction at cost and a 20 year, zero interest mortgage will
be transacted.
- All information provided by applicants will
be considered strictly confidential and will only be used for purposes
of family selection
I, ___________________________________ have read the above guidelines
and I believe my family qualifies for consideration for Habitat
ownership. Please send me an Application for Housing.
Name
_________________________________________________________________________
Address
_______________________________________________________________________
City ______________________________________ State ___________ Zip
_________________
Home Phone ________________________________ Work Phone
_________________________
Mail this form to: Habitat for Humanity
of Pike County, 103 Delaware Crest, Dingmans Ferry, PA 18328. Or you
may send your request online at www.hfhpc.org.
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