Bruce Emery - Habitat for Humanity

Directions
1) Review the three criteria on the following page: Need, Willingness to Partner, & Ability to Pay. All three must be true and you must sign.

2) Fill out the entire application being sure to answer all questions

3) Include the $10 application fee (waived for Veteran applicants) & copies of the following documents as applicable. Please do not turn in your application without the applicable accompanying documentation.
- 30 days most recent pay stubs for all adults in household
- Benefit statements for ALL other income sources
- Most recent utility bills (front & back of gas, electric, & water)
- Most recent year's Federal Tax Return (include all Schedules. Do not provide State or City return)
- Most recent year's W2s for all adults
- Driver's License/State ID (applicant & co-applicant)
- $10 application fee (waived for veterans)
- DD214 (veterans only)

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Need, Willingness to Partner, & Ability to Pay
*Note: All items listed below under the three criteria must be true of the applicant and co-applicant

Need:

‐ Do not currently own a home (owning a mobile home is acceptable)

‐ Current housing is inadequate, overcrowded, unstable, or too costly

‐ Unable to qualify for a conventional mortgage

Ability to Pay

‐ Must be a U.S. Citizen or Permanent Resident (with a "Green Card")

‐ Have 12 months of stable income

‐ Pay rent and other bills reliably & have acceptable credit history

‐ Have ability to save at least $1,000 for a home down payment

‐ Long-term debt obligation is less than or equal to 38% of gross income

‐ Household's average monthly income based on before tax year-to-date

Willingness to Partner

‐ Willing to partner with Habitat by completing 275 to 500

"Sweat Equity" volunteer hours working on Habitat construction sites, taking free workshops and classes, and performing other approved volunteer activities.

‐ Willing to accept available property locations

‐ Will attend all required meetings, workshops, & classes

‐ Will maintain or improve my financial standing while in the program by working to pay off debts

‐ Will participate in the Homeowner Association (if applying for a townhome/condominium)

(YTD) numbers falls within the range below:
*By signing your name, you are signifying that you believe that you meet all three criteria listed above. Both applicant and co-applicant (if there is one) must sign for this application to be valid.
Applicant Signature
Co-Applicant Signature
Feedback
How did you hear about this program?

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Applicant Information
*Note: Taking on additional debt after submitting this application may disqualify you*
Name*
First Last
Social Security #
Date of Birth
Date Format: MM slash DD slash YYYY
Phone
Email*
Are you a U.S. citizen or legal permanent resident?
- Yes
- No
Are you a Veteran or currently serving in military?*
- Yes
- No
Is any other household member a Veteran?*
- Yes
- No

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Co-Applicant Information (Optional)
Name
First Last
Social Security #
Date of Birth
Date Format: MM slash DD slash YYYY
Phone
Email
Are you a U.S. citizen or legal permanent resident?
- Yes
- No
Are you a Veteran or currently serving in military?
- Yes
- No

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Current Housing Information
*If applicant and co-applicant have different addresses, use applicant's and include co-applicant's on a separate piece of paper
Applicant Address
Street Address City State ZIP Code
Housing Type
- Apartment
- House
- Mobile Home
- Family/Friends
Other
Housing Status
- Own
- Rent
Move-in Date
Date Format: MM slash DD slash YYYY
Monthly Rent
Number of people living in Home
Landlord's Name (or Apartment Complex name)
Landlord's Address
Street Address City State ZIP Code
Landlord's Phone
Landlord's Fax

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Amount of Cash Assets **
** Do not include retirement accounts like 401Ks
Applicant & Co-applicant Average Balance
Types: Checking Account(s), Saving Account(s), CDs, Stocks, Bonds, Cash

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Applicant Employment Information
Employer Name
Address
Street Address City State ZIP Code
Phone (main line)
Fax
Average Hours/Week
Wage
Start Date
Date Format: MM slash DD slash YYYY
Is this Job Seasonal?
- Yes
- No
*If you have had other jobs in the past 12 months, use the choose file link below to attach a document with information on those other jobs.
Job Information File

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Co-Applicant Employment Information
Employer Name
Address
Street Address City State ZIP Code
Phone (main line)
Fax
Average Hours/Week
Wage
Start Date
Date Format: MM slash DD slash YYYY
Is this Job Seasonal?
- Yes
- No
*If you have had other jobs in the past 12 months, use the choose file link below to attach a document with information on those other jobs.
Job Information File

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Additional Income Information
*Please check ALL monthly household income amounts for all household members
Type of Income
- Unemployment
- Social Security
- SSI
- Child Support
- FIP (cash assistance)
- Own Business Income
- Adoption Subsidy
- Foster Care Subsidy
- Pension / Retirement
Other
Other
Total Additional Income Amount

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Debt Information
*Please list all current debt payments applicant & co-applicant are responsible for paying
Type of Debt
- Car Loan/Car payment
- Credit Card
- Bank Loan
- Student Loan
- Travel Loan
- Pay Day Loan
- Child Support
- Collections
Other
Total Monthly Payment

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Authorization to Release Information
*All household members who are age 17 and over should sign.
Applicant, co-applicant, and adult household members: I authorize Habitat for Humanity of Kent County to pull my credit report (applicant & co-applicant only), verify my work history by contacting my current and/or former employer, verify my rental history by contacting my current and/or former landlord, and screen my name against sex offender registries. I also understand that data collected from this application may be used along with other applicant data for statistical analysis. Confidentiality of personal information will be maintained according to Habitat for Humanity of Kent County's Privacy Policy. 17 year olds: By signing below, I acknowledge that Habitat will screen my name against sex offender registries. Confidentiality of personal information will be maintained according to Habitat for Humanity of Kent County's Privacy Policy.
Applicant Signature
Co-Applicant Signature
Household Member 3 Signature
Household Member 4 Signature
Date*
MM
DD
YYYY

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How does the Application Process work?
Part I - Initial Application:

See the directions on page one for more information. Please deliver or mail your Initial Application, copies of the requested documents, and your $10 application fee (waived for Veteran applicants) to Habitat for Humanity of Kent County. Verification forms will be sent to employers and landlords and your credit report will be pulled. We will notify you regarding your status once your application has been processed and the verifications have been obtained.

Part II - Group Meeting:

If your Initial Application meets the "Ability to Pay" program requirement, you will be invited to the Phase II Group Meeting. We will give you more information about the rest of the process at this meeting. There will be additional paperwork to fill out and additional documentation to provide at this stage.

Part III - Home Interview:

At least two members of our Selection Committee will schedule a home interview with you at your current residence. The committee assists Habitat staff in making recommendations to the Board of Directors regarding who meets program criteria.

Note that the entire application process from Part I to III can take many months. Please be patient with us and feel free to ask questions when you have them.
Frequently Asked Questions
WHAT IS HABITAT FOR HUMANITY?

Habitat for Humanity is a non-profit, Christian based housing organization dedicated to providing decent and affordable homes through the construction of new homes and through the repair of existing homes.

HOW MUCH WILL A HABITAT HOME COST?

Habitat homes are financed with affordable mortgages. We sell our homes for the appraised value as set by independent, licensed appraisers. A minimum of a $1,000 down payment is required of our homebuyers, but we give homebuyers time to save up the down payment.

WHAT SHOULD I DO IF I HAVE QUESTIONS OR NEED HELP FILLING OUT THE APPLICATION?

Please call 616-588-5239 or 616-588-5235. Por favor, llame si tiene preguntas sobre el proceso o el programa.

We are pledged to the letter and spirit of U.S. policy for the achievement of equal housing opportunity throughout the nation. We encourage and support an affirmative advertising and marketing program in which there are no barriers to obtaining housing because of race, color, religion, sex, national origin, disability, familial status, age, marital status, sexual orientation, gender identity, or lawful source of income.

Habitat for Humanity of Kent County, 425 Pleasant St. SW Grand Rapids MI 49503. Fax: 616-774-4120 General phone: 616-774-2431

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