Qualifications

All applicants must have:

A need for adequate housing: Homeowners chosen for a Habitat house must live in inadequate, overcrowded, unsafe and overly expensive housing.

The ability to pay a low-interest mortgage: Habitat Homebuyers must maintain an income sufficient to repay a low interest loan and have good credit history. The maximum income is dependent on family size and will generally be in accordance with “low income” determinations made by HUD (Housing and Urban Development) and California.

Willingness to Partner

Attending and completing Homeowner Classes in money management, home ownership and home maintenance.

Performing a maximum of 500 hours of “Sweat Equity” per household by working on construction of their houses, or otherwise helping to further Habitat’s mission.

Paying a minimal down payment.

Homeowners are selected based on the severity of their present housing conditions, their willingness to partner with Habitat, and their ability to repay the cost of a Habitat home. Partner homeowners also receive counseling and training on homeownership and maintenance.

Monthly payments are manageable and often Habitat homeowners pay less for their new home than they did for their previous substandard housing.

Habitat for Humanity Calaveras does not discriminate based on race, color, creed, religion, sex, national origin, age, familial status, ancestry, physical handicap, medical condition, veteran status, sexual orientation, AIDS, AIDS-Related Condition (ARC), mental disability or any other arbitrary basis. The family selection process is fair and unbiased.

Equal Housing Opportunity

Notice: The federal Equal Credit Opportunity Act prohibits creditors from discriminating against applicants on the basis of race, color, religion, national origin, sex, marital status or age (provided the applicant has the capacity to enter into a binding contract); because all or part of the applicant’s income derives from any public assistance program; or because the applicant has in good faith exercised any right under the Consumer Credit Protection Act. The federal agency that administers compliance with this law concerning this is the Consumer Financial Protection Bureau, 1700 G Street N.W., Washington, D.C., 20552.