Welcome!

MissionHabitat works in partnership with God and people everywhere to build and renovate houses, so there are decent houses in which people can live and grow into all that God intended.

VisionHabitat for Humanity Island County’s goal is to eliminate substandard housing and homelessness and to make affordable shelter a matter of conscience and action throughout Island County.

History - HFHI• Carter Work Project

• Founded in 1976 by Linda & Millard Fuller in Americus, Georgia

• Built more than 375,000 houses, sheltering more than 1.75 million people in more than 3,000 communities worldwide

• Habitat is present in over 90 countries and all 50 states

Local History

• Marlene and Vic Jones began HFHIC in 1998

• 27 homes completed

• 21 homes abroad

• 60 family members and over 32 children have been served

HHIC-GoalsHHIC-Goals• Eliminate substandard housing in Island CountyEliminate substandard housing in Island County• Build 6-8 homes per year Build 6-8 homes per year • Double our funding in the next 3 yearsDouble our funding in the next 3 years• Double our volunteer pool to meet demand and Double our volunteer pool to meet demand and

diversify our volunteersdiversify our volunteers

HFHIC FundingHFHIC Funding

Need in Island County

• Mortgage payment is typically under $500 compared to $1,400• We serve 25-55% of median income– Income between $15,000-45,000– Depends on family size– Average income currently served is $20,150

What we build

Simple - Modestly-sized for the family needsDecent - Quality, Sustainable building practicesAffordable - Labor from volunteers, family sponsors,

modest house size, and non-profit loans

Family Selection Committee

•Informational Public Meetings & Advertisement•Screening applications for qualified families•Interviewing qualified families•Recommending families for approval to the Habitat Board of Directors

Family BenefitsFamily Benefits• Stable and Safe Stable and Safe

environmentenvironment

• Pride and dignity Pride and dignity of being of being homeownershomeowners

• Educational and Educational and job prospects job prospects increaseincrease

Family Selection

• Need - Inadequate housing and/or 50% of income• Willingness to Partner - 500 hours “Sweat Equity” and

Homeowner classes• Ability to Repay - Steady source of income & Credit

History

Sweat Equity HoursSweat Equity HoursTOTAL: 500 HoursTOTAL: 500 Hours

• 100 Construction100 Construction

• 250 Family & Friends250 Family & Friends

• 50 Before assigned a home50 Before assigned a home • Homeownership CourseHomeownership Course

• Other Volunteer Opportunities Other Volunteer Opportunities

Mortgage• Will be the amount of the

building cost, not counting land

• Two Deeds of Trust– 1st Deed is for building

cost– 2nd Deed is the difference

between the appraised value and cost (silent & forgivable)

• Land Trust with Saratoga Community Housing

Responsibility of Applicant• Provide accurate financial and personal information

• Complete required Sweat Equity Hours

• Maintenance and upkeep of house and property

• Make payments, pay utilities, taxes and insurance

• Help plan and participate in the dedication & groundbreaking ceremonies

• Release Form (See page 7 of packet)

• Washington State Patrol Criminal History Information

Application CHECKLIST

Application

1 – Applicant & Co Applicant2 - OFFICE USE ONLY

3 – Willingness to partner4 – Present housing condition5 & 6 – Current property information7 – Employment information about applicant (and co-applicant)

Next Step8-Base Employment Income

9 – TANF, AFDC, Food Stamps, Social Security, SSI, Disability

10 – Alimony, Child Support, Other

11 – Self-employed

12 – Monthly Bills

13 – Additional Income

14 – Down payment & closing cost

15 - Assets

Application

16 – Debt 17 – Declarations18 – SIGNATURE19 – Additional Space

20 – Information for government monitoring purposes

Next Step• Interview: May 18-May 25

• Paperwork Deadline: May 31, 2011 by 4pm

• Home Visit: June 13-June 17

• Credit Counseling: June 13 – June 17

• Questions?