Service Name: HOMEOWNERSHIP PROGRAM - HABITAT FOR HUMANITY OF GREATER SACRAMENTO

Organization Name: HABITAT FOR HUMANITY OF GREATER SACRAMENTO

• Description: Partners with qualified low-income families and the local community to build homes in Sacramento and Yolo County, and acquire land that makes development affordable to future homeowners. New homes are typically simple, contemporary, all-electric single-family homes consisting of 3-4 bedrooms, some private outdoor space, and a garage.Applications to own a home open in the Spring of each year. To stay informed on each application period, fill out the Habitat for Humanity Information Request form online. Area Median Income Requirements 2023*Please note, total income includes income from all sources (employment, child support, SSI, Social Security, disability, retirement, pensions, and other benefits) Family Size Gross Minimum Yearly Income Gross Maximum Yearly Income 1 $22,500 $60,050 2 $25,750 $68,600 3 $28,950 $72,200 4 $32,150 $85,750 5 $35,140 $92,650 6 $40,280 $99,500 7 $45,420 $106,350 8 $50,560 $113,200
• Website: http://www.HabitatGreaterSac.org
• Email: apply@habitatgreatersac.org
• Phone(s): (916) 440-1215, (916) 440-1215, (916) 440-1215, (916) 440-1215, (916) 440-1215
• Hours: Office: Monday through Friday 8 am - 5 pm
• Eligibility: Future Habitat homeowners must meet three core qualifications:1. Need for Adequate Shelter- Families must be experiencing at least one of the following conditions in their current living situation: Substandard Conditions (mold, lack of electricity, unsafe, in need of major repairs, etc.) Overcrowded Conditions Paying too much for rent (more than 50% of their gross income)2. Willingness to Partner- Applicants must be willing to act as a true partner with Habitat for Humanity of Greater Sacramento. Our partner families must sign a partnership agreement and agree to: Contribute 500 hours of sweat equity building their home and the homes of other partner families Share their story through our website, interviews, videos, and more Complete homeowner education workshops Attend Habitat events and homeowner meetings Stay in good communication with Habitat staff throughout Make mortgage payments on time3. Ability to Pay- Applicants must have the ability to pay for the house. A typical mortgage is 30% of the homeowner's gross monthly income and includes property taxes and insurance. Mortgages are fixed payments, 30-year mortgages at 0% interest or 0% interest equivalent. An applicant's income should fall within the following 30-80% of the Area Median Income range based on household size.4. Applicants must be U.S. Citizens or Legal Permanent Residents at the time of application.5. Applicants must be a First-Time Home-buyer6. Applicants must not have filed for bankruptcy in the last five (5) years7. Have a Household size of 3-8 people.
• Requirements: List of required documents include:- HFHGS Homeownership Application Packet- CA Drivers License or Photo Identification card- Social Security Card- Birth Certificates or Proof of Citizenship- DD214 (if applicable)- Employment Verification - including a letter to verify employment - 6 months of pay stubs- SSI/SSA Income Statement of Benefits- Public Assistance Verification (if applicable)- Bank Statements for all accounts- Income tax returns for the prior 2 years- Other Income/Wage Verification- Current Credit Report- Vehicle Registration and Insurance- Utilities and Phone Bill- List of 5 References- A Personal Statement
• Areas Served:
  • Yolo United States
  • Sacramento United States
• Categories:
  • Sweat Equity Programs