How to Apply for a Habitat Home
Each Habitat affiliate selects “partner families” to become Habitat
homeowners. Habitat for Humanity follows a nondiscriminatory policy of
family selection. Neither race nor religion is a factor in choosing
partner families. Partner families are always selected based on their
level of need, ability to pay and willingness to partner. Applicants are required to meet several qualifications to ensure
success. Each Habitat affiliate has its own guidelines. In general,
prospective homeowners must:
In addition, each partner family will be required to:
Habitat Cape May requires that partner families contribute 300 hours of "sweat equity" into building their Habitat home and the houses of others. The application for housing requires information about current housing conditions, employment and finances (income, bills, assets, and debt). Habitat Cape May targets families with incomes of 50% of the HUD median family income for Cape May County, or families earning approximately $35K per year or less (for family of four). It is important to note that Habitat is not a giveaway program. Habitat families make monthly mortgage payments, but what makes the payments affordable is that the houses are sold for significantly less than the market value, and financed by Habitat Cape May via a no-interest mortgage. These monthly mortgage payments are then used by Habitat to finance the building of more Habitat houses. To apply, download the application and instructions at upper right. |
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