Homeowners

WHO IS HABITAT FOR HUMANITY OF MADISON COUNTY?

Habitat for Humanity of Madison County (HFHMC) is a non-profit, faith based housing ministry that seeks to provide simple, decent houses for low income families in Madison County. Using donations of money, materials, land, volunteer labor, and the “sweat equity” of partner families, Habitat sells homes to low income families at no interest and for no profit.

WHAT IS A HABITAT HOME?

A Habitat home is a simple, decent place to live. Habitat homes are three to five bedroom homes, depending on family size. Habitat homes are sold to qualifying families on a 20 to 30-year, 0%interest mortgage with payments of approximately $350-$400 a month. Generally, it takes from 9-18 months from the time family is approved to the time they can move into their home.

To apply you must meet the following three requirements:

1. NEED FOR ADEQUATE SHELTER

   You must demonstrate a need for adequate housing. A committee member will come to your present home to determine if you have a need for housing. These are some of the conditions they will look for:
   • Substandard: problems with heat, water, electricity, plumbing, or structure.
   • Dangerous: located in an unsafe or unsanitary neighborhood.
   • Inadequate: unsuitable for a disabled family member.
   • Overcrowded: not enough space for family or too many people having to share a bedroom.
   • Temporary: in a shelter, or living with a relative because of a verifiable hardship.

2. ABILITY TO PAYBACK THE MORTGAGE

   Since you will be purchasing your home from Habitat, you must demonstrate an ability to pay for the home:
   You must have a consistent, verifiable income which can include wages from job, SSI, Social Security, child support, public assistance or alimony.

   Monthly Income Limits

   Family Size	Minimum Income	Maximum Income
   1	$985.42	$2,365.00
   2	$1,125.00	$2,700.00
   3	$1,266.67	$3,040.00
   4	$1,406.25	$3,375.00
   5	$1,518.75	$3,645.00
   6	$1,631.25	$3,915.00
   7	$1,743.75	$4,185.00
   8	$1,856.25	$4,455.00

   Be able to show that you have a stable payment history and responsibility to make mortgage payments
   Be able to pay on existing debts, a mortgage, and maintain a standard of living.

   

   Partner Families Linda Williams, Samantra Briggs, and Carmen Vega during construction of Samantra's home.

3. WILLINGNESS TO PARTNER

   You must demonstrate that you are willing to partner with Habitat by:
   • Agreeing to complete “sweat equity” hours.
   • Participate in homeowner classes and various workshops.
   • Pay closing costs before closing on your home.

HOW TO APPLY

Step 1: Attend an application orientation.
You must attend an orientation meeting; they last about 1 to 1½ hours. Please do not bring food or children, since they can be a distraction to you and others. We ask that you please be on time. At the orientation meeting you will learn more about the Habitat program.
You can only get an application by attending an orientation.
Classes are held at the Habitat Building on the corner of Pratt Ave. and Washington St. near downtown Huntsville. We do ask that you call the day before or the morning of the orientation to ensure classes have not been cancelled.

Classes are scheduled for:
June 4 and 18 at 10:00am or 5:00pm
July 2 and 16 at 10:00am or 5:00pm
August 6 and 23 at 10:00am or 5:00pm
September 3 and 17 at 10:00am or 5:00pm
October 1 and 15 at 10:00am or 5:00pm
November 5 and 19 at 10:00am or 5:00pm
December 3 and 17 at 10:00am or 5:00pm

*Classes are subject to change. Please call the Habitat office at 533-2282 ext. 115 to verify we are still having the class.

Step 2: Turn in a complete application.
A complete application contains copies of all required documents. You will get a list of the required documents at the orientation meeting.