Fremont Area Habitat for Humanity builds houses with low-income families. Houses are built with volunteer labor and sold to qualifying families at no profit with a no-interest loan.
How do I apply?
Fremont Area Habitat for Humanity has an application period once or twice a year. At other times of the year, a waiting list is maintained. Everyone on the waiting list receives an application to be returned during the application period. Call 402 721-8771 or e-mail email@example.com
.com to leave your name, address and phone number for the waiting list.
Applications are available in English and Spanish.
What are the qualifications?
We won’t list all the criteria here, but the major ones are:
1. Having an inadequate home
2. The ability to pay for the house (since we don’t give homes away)
3. Willing to partner with Habitat
If you meet all of these criteria, you may qualify for a Habitat house! Contact us, so we can discuss your qualifications further.
An inadequate home.
Your present home needs to be inadequate in some way. Perhaps it is too small for your family, too expensive, or dangerous. Perhaps there are problems with the water, electrical, heating or sewage systems. Perhaps your rental home is not being maintained properly. Perhaps you are living temporarily with relatives or friends.
An Ability to pay.
You must be able to show that you are willing and able to make the monthly mortgage payments. Habitat does not give houses away. Partner families make monthly payments. Currently, mortgage payments are about $550 to $575 a month for a 3-bedroom home. This amount includes principle, insurance and taxes. There is no interest on Habitat loans.
Your total annual income must be less than the following:
• For one person $20,350
• For two people $23,250
• For three people $26,150
• For four people $29,050
• For five people $31,400
• For six people $33,700
• For seven people $36,050
• For eight people $38,350
You must have enough income to meet your other financial obligation besides paying for the Habitat house.
During the application process, families are required to openly and fully discuss their financial situations with the Selection Committee. You will not be chosen if you have had a bankruptcy in the last year. The committee will consider your credit report. You are encouraged to apply even if your credit history is not good, as long as you are working on getting on track now.
Willing to Partner:
You must be willing to contribute hours of “sweat equity” mostly on the construction of your home. Families with two adults must complete 350 hours of sweat equity; families with one-adult, 250 hours.
You must also be willing to participate in classes about budgeting, banking and credit, home maintenance and others.
You must be willing to be responsible for maintenance and repair of your home once you own it. Maintaining your home makes you a good partner to Habitat and a good neighbor.
Contact us at 402 721-8771 or firstname.lastname@example.org
for current information about when and how to apply.