Central Westmoreland Habitat for Humanity P.O. Box 516 Greensburg, PA

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1 Dear Friend, Thank you for your interest in becoming a homeowner-partner with Central Westmoreland Habitat for Humanity (CWHFH). Attached is an Application for Housing and information about Habitat for Humanity, sweat equity, and income guidelines. Please review the enclosed information. If you feel that you meet the qualifications for becoming a Habitat partner, please complete the application and return it within 30 days to the address listed below. Central Westmoreland Habitat for Humanity P.O. Box 516 Greensburg, PA Please also be aware that CWHFH serves Westmoreland County from the Allegheny County border in the east to Latrobe in the west. If you have any questions or need assistance with the application, please feel free to contact our office at Also please visit our website at for CWHFH news and updates. Thank you and GOD Bless. Sincerely, Central Westmoreland Habitat for Humanity Family Selection Committee

2 FAMILY SELECTION CRITERIA Central Westmoreland Habitat for Humanity, Inc. is seeking partner families for its building program. We build or rehabilitate homes, sell them at no profit, and provide a no interest mortgage. The participation requirements are: 1. The need for adequate shelter. This may include, but is not limited to, the family living in housing that lacks proper plumbing or sanitary facilities, has hazardous wiring, lack of heat, or severe structural problems. Need for adequate shelter may also be defined as overcrowding and/or the family being cost burdened (defined as a family paying in excess of the HUD guideline of 30% of its gross annual income for housing). 2. Ability to repay mortgage loan. We will consider families who have demonstrated acceptance of financial responsibility, debt management, and income stability. They must have an income between 30% and 60% of the current Area Median Income (AMI) but not exceed the maximum income requirements shown below, have no outstanding legal judgments or pending bankruptcies Income Guidelines These guidelines are based on the median income for the Greater Pittsburgh Metropolitan Area as calculated and published by the Department of Housing and Urban Development each spring (for 2010 a family of four s median income is $63,000). To be eligible for Habitat Partnership, a family s income falls between 30% and 60% of the median income. Family Size 30% of Median 60% of Median 1 $13, $26, $15, $30, $17, $34, $18, $37, $20, $40, $21, $43, $23, $46, $24, $49, Willingness to partner with Habitat. This includes but is not limited to: The family will provide all application information in a timely, honest manner. The family will participate in the home visit. The family will meet the 350 hours of sweat equity requirements. The family will participate in education sessions. The family will pay the down payment of $2,000. The family will avoid new consumer debt during this process. The family will live where the affiliate has land to build. The family will notify the affiliate of any change in family composition. The family will notify the affiliate of loss of income. The family will notify the affiliate of changes in contact information. The family agrees to maintain the home. The family agrees to pay the monthly mortgage without default. If you would like more information on applying for a Habitat for Humanity home or just want to know more about the program, please complete the form below. You can also contact us at: CWHFH, P.O. Box 516, Greensburg, PA or

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6 Do you own a: Yes No Stove Refrigerator Washer Dryer Do you own a: Yes No Car (#1) Make and Year Car (#2) Make and Year Car Monthly Unpaid Furniture Monthly Unpaid Credit Card Monthly Unpaid Medical Monthly Unpaid 10. DEBT To Whom Do You and the Co-applicant Owe Money? Name and Address of Company Monthly Unpaid Name and Address of Company Monthly Unpaid Alimony/Child Support $ /month Job-related Expenses $ /month (Child Care, Union Dues, etc.) $ /month Column 2: Subtotal of Payments $ /month Column 1: Subtotal of Payments $ /month Column 1: Subtotal of Payments $ /month Total Monthly Expenses $ /month 11. DECLARATIONS Please Check the Box That Best Answers the Following Questions for You and the Co-applicant. Applicant Co-applicant a. Do you have any debt because of a court decision against you? Yes No Yes No b. Have you been declared bankrupt within the past 7 years? Yes No Yes No c. Have you had property foreclosed on in the past 7 years? Yes No Yes No d. Are you currently involved in a lawsuit? Yes No Yes No e. Are you paying alimony or child support? Yes No Yes No f. Are you a U.S. citizen or permanent resident? Yes No Yes No Answering yes to these questions does not automatically disqualify you. If you answered yes to any question a through e, however, please explain on a separate sheet of paper. 12. AUTHORIZATION AND RELEASE I understand that by filing this application, I am authorizing Habitat for Humanity to evaluate my actual need for a Habitat home, my ability to repay the no-interest loan and other expenses of homeownership and my willingness to be a partner family. I understand that the evaluation will include personal visits, a credit check, and employment verification. I have answered all the questions on this application truthfully. I understand that if I have not answered the questions truthfully, my application may be denied, and that even if I have already been selected to receive a Habitat home, I may be disqualified from the program. The original or a copy of this application will be retained by Habitat for Humanity even if the application is not approved. I understand that Habitat for Humanity screens all potential staff (whether paid or unpaid), board members, and applicant families on the sex offender registry. By completing this application, I am submitting to such an inquiry. Applicant Signature Date Co-applicant Signature Date X X PLEASE NOTE: If more space is needed to complete any part of this application, please use a separate sheet of paper and attach it to this application. Please mark your additional comments with A for Applicant or C for Co-applicant. 3012/25M/CAER/2-06