Mason County Habitat for Humanity is pleased to announce that applications will soon be open for another family to partner with the affiliate in owning their own home. The next build will be the ninth Habitat home to be built in the Mason community, which is considered an exemplary feat, given the size of the community and that the local affiliate has just passed the eighth anniversary of affiliation!
The schedule for the application workshops is as follows:
Thursday, September 2
Thursday, September 9
Thursday, September 16
The workshops begin at 6:00 pm and will be held at the Eckert Civic Center. Attendance is mandatory for all three workshops!
The following is information describing the criteria for qualifications to be a successful applicant.
SO YOU’RE INTERESTED IN OWNING A HABITAT HOME ……
All applicants will be considered without regard to race, color, religion, sex, or national origin. MCHFH is an equal housing opportunity lender.
Habitat is not a giveaway program; it is a hand-up not a hand-out.
Is a Habitat home free? No. We sell the home to you and you pay for the home. We carry the loan for you at no interest.
How do I qualify? The basic criteria are: (1) Be a resident of Mason County for 1 year (2) You do not own an habitable home (3) Exhibit a need for a safe and adequate home (4) Show ability to pay for the home (5) Prove willingness to partner with Mason County Habitat for Humanity affiliate.
What does my mortgage payment include? The principal payment, insurance escrow, tax escrow and maintenance escrow of $10 per month.
How much does a Habitat home cost? The cost of the house is determined after it is completed. The cost will include materials, professional labor, land purchase, etc.
Where is the Habitat home built? In different parts of the town, depending on the site of the property.
What is the size of the Habitat home? Traditionally, a three bedroom, 1 ½ bath will be built on the lot. However, the needs for a large family will be reviewed. Drive by the homes we have built. All are the same house plan. You will be given an opportunity to choose one color for the interior, tile color, and the exterior color. A refrigerator and stove are provided as well as connections for washer and dryer. A storage building will also be provided. However, the needs for a large family will be reviewed.
How do you determine my certification to be a homeowner? The need for adequate shelter will be determined by the information given on your application, by a home visit, by documents from housing officials, utility bills, rent, medical documentation for special needs, credit checks, income verification and other as deemed necessary by the Family Selection Committee.
How can I show the willingness to partner with Mason County Habitat for Humanity? This can be shown by the information given on the application and gathered during the home visit, by attending all 3 workshop training sessions, in understanding the philosophy of Habitat as well as the obligation of being a positive Habitat family.
How is my ability to pay for the home determined? Based on our local community criteria, the income range varies slightly as number of members in family application is increased or decreased. Income from public assistance and employment will be considered. Family must show the ability to make all debt payments each month, family cannot declare bankruptcy within the state limits of application review, family has no liens or judgments that cannot be cleared before closing. The closing cost, homeowners insurance, taxes, will be added to the cost of the home. A financial review will be completed before the house closing.
Mason County Habitat for Humanity encourages all to inquire about this wonderful opportunity, to achieve the dream of homeownership. If you have any questions or concerns please call the Habitat office and your call will be returned, at 325-347-9591.