Qualification Checklist :: SAW Habitat for Humanity

Applicant(s) must currently be living in sub-standard housing conditions (examples include defective dwelling, overcrowding, housing not affordable to budget, poor living environment, etc.)
Applicant(s) must agree to ‘partnership’ with Habitat for Humanity in helping to build their house and houses built for other families. Each adult (18 years of older) living in the household must work a minimum of 250 hours of ‘sweat-equity’ hours. This includes work done on the construction site either on their home or on another family’s home, or at other locations such as in the Habitat office. Partners are expected to be at your house site during construction regardless of the number of sweat equity hours accumulated.
Applicant must reside or work in the service area of SAW Habitat for Humanity for at least 1 year. Applicant must not be able to qualify for a commercial home loan however; applicant must have enough income to support the monthly mortgage payment (depends on house needs). Minimum monthly income needed is $1,400 (may be more depending upon family size).
Applicant(s) should not have more than $1,000 in delinquent debt including but not limited to: past due debts, charge offs and unsatisfied judgments on their credit record. (Delinquent debt must be satisfied before moving into the home or purchasing the house.)
Total annual family income from all sources must not exceed the maximum guidelines – which are 80% of a a median family of 4 for Augusta County.

Qualification Checklist