Successful applicants demonstrate that their current housing does not meet their families needs. If your current residence is sub-standard, unsafe, or overcrowded you may qualify for a Habitat home.
ABILITY TO PAY
Successful applicants must be able to demonstrate that they can afford a Habitat mortgage in addition to their other financial obligations. Affordability means that the monthly costs of the mortgage, homeowner's insurance, and property tax payments will not exceed 30% of the household's gross income.
Habitat considers the applicant's credit history, employment/sources of income, and debt-to-income ratio to determine a family's ability to make regular payments and cover closing costs. Habitat for Humanity and the qualified applicant will work together with a bank to finance the mortgage with a "zero equivalent mortgage" and a silent, non-forgivable, second mortgage. This means that the monthly mortgage payment will not exceed 30% of the family's gross income, keeping the loan affordable for the Habitat homeowners.
WILLINGNESS TO PARTNER
Partner families commit to working 350-500 "sweat equity" hours with Habitat, starting when they are selected and completing their hours before they move-in to their new home.
Partner families are involved in all aspects of home building, however, not all hours must be completed on the job site. There are many opportunities to volunteer in the office, Habitat Store, or other arrangements can be made depending on partner family's abilities.
Applicants must have lived in Kittitas County for at least one year. All applicants are required to have current authorization to work documentation- Employment Authorization Document (EAD) from US Citizenship and Immigration Services.