home repair program application overview a world where everyone has a decent place to live

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1 get started Maumee Valley Habitat for Humanity welcomes Lucas County homeowners to apply to our home repair program for assistance with their home. Please take time to read through this applicant overview to determine if you meet our criteria and to better understand the application process. Thank you. our home repair program Maumee Valley Habitat for Humanity s Home Repair Program began in 2008 and builds on Habitat s traditional homeownership model of using affordable payment options, sweat equity, and volunteer labor to serve current low-income homeowners who are struggling to maintain their homes or make necessary critical repairs. Maumee Valley Habitat for Humanity s Home Repair Program s focus is non-emergency health and safety related, interior and exterior, critical repairs that preserve the home and raise the quality of life for the homeowner. The Home Repair Program offers volunteer and staff labor at no cost to the homeowner. Materials, services, and a 10% administrative fee is paid for by the homeowner though a 0% interest loan agreement repaid over a period of time, typically months Conant Street, Maumee, Ohio home repair program application overview a world where everyone has a decent place to live Created 8/18 Home Repair Examples Roofs and Gutters Stairs, Ramps, and Railings Windows, Doors, and Locks Faucets, Toilets, and Grab Bars Porches and Fences the application process 1. Complete home repair program application and provide all required documents. 2. Demonstrate need, willingness to partner, and ability to repay. 3. Maumee Valley Habitat for Humanity staff will evaluate your application to determine if criteria is met. 4. Staff will visit the home of eligible applicants to assess needed repairs. Photos will be taken to document the current condition of home. 5. The scope of work is defined by Habitat and agreed upon by both parties before an estimate is finalized. 6. Eligible projects are forwarded to our Home Repair Selection Committee to be considered for approval. 7. Homeowners will be informed if project is approved or denied. 8. A home repair contract agreement and promissory note is signed by the homeowner of approved projects. 9. The 10% project down payment is collected. 10. Homeowner will be informed with the estimated project start date. Phone: ReStore:

2 partnering with home repair Families who wish to participate in the Maumee Valley Habitat for Humanity Home Repair Program must meet the selection criteria established by Habitat for Humanity International. The criteria includes: Need Families must provide evidence of how the repair would improve the health, safety, and/or quality of life of themselves, their families and their home. Additional general requirements include: home must be located in Lucas County homeowner(s) must be living in the home and the legal owner for at least one year provide copy of the deed homeowner(s) must intend to remain in the home for at least two years the overall condition of the home must be sound enough to justify the cost of the repair home must be insured provide proof of current insurance homeowner(s) cannot own additional properties homeowner(s) income must generally be between 25% and 60% of the Area Median Income (AMI) Ability to Repay- Families must meet specific income guidelines, have an acceptable credit record, and demonstrate the ability to repay a 0% interest loan for the cost of the materials necessary to complete the repair: homeowner(s) income must be steady, reliable, and documented; see list of acceptable documents below: List of Acceptable Documents Employment: paystubs from the last six months Social Security, SSI, VA, Disability: benefits award letter Annuity/Pension: award letter Child Support: printout from Lucas County Division of Child Support Services Alimony: divorce decree Food Stamps: printout from Jobs & Family Services AFDC/TANF/Cash Assistance: printout from Jobs & Family Services Household Size Minimum Annual Minimum Maximum Maximum Monthly Annual Monthly 1 $11,775 $981 $28,260 $2,355 2 $13,450 $1,121 $32,280 $2,690 3 $15,125 $1,260 $36,300 $3,025 4 $16,800 $1,400 $40,320 $3,360 5 $18,150 $1,513 $43,560 $3,630 6 $19,500 $1,625 $46,800 $3,900 Willingness to Partner- Families must be willing to partner with Maumee Valley Habitat for Humanity by fulfilling required sweat equity or volunteer hours. We ask that homeowner(s) do this by: being present throguhout your repair assisting with the repair, where applicable offering a helping hand in your community completing a survey All documents must be from current year collection debt must be below $5,000 no outstanding liens or judgments bankruptcies must have been discharged for at least 2 years property taxes must be up to date or you must be on a payment plan with the city homeowner(s) debt-to-income ratio can not be greater than 70% For more information please contact Maumee Valley Habitat for Humanity s Home Repair Coordinator at Maumee Valley Habitat for Humanity is 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, handicap, familial status, national origin, age, marital status, sexual orientation or sources of income.

3 home repair program Application a world where everyone has a decent place to live Applicant Information Applicant must be homeowner living in the home Name: Today s Date: Address: City: State: Ohio ZIP Code: Date of Birth: Age: Social Security #: Primary Phone: Secondary Phone: Have you applied for a repair at this address in the past? Yes No The following questions are for grant purposes only and will not be taken into consideration for approval of your request. Marital Status: Unmarried (includes single, divorced, widowed) Separated Married Military Status: Enlisted Veteran Spouse of a Veteran N/A Race/National Origin: Unknown African-American/Black American Indian or Alaskan Native Asian Native Hawaiian or Other Pacific Islander Caucasian Multi Ethnicity: Hispanic Non-Hispanic Co-Applicant Information Co-Applicant must be second homeowner living in the home Name: Today s Date: Date of Birth: Age: Social Security #: Primary Phone: Secondary Phone: Marital Status: The following questions are for grant purposes only and will not be taken into consideration for approval of your request. Unmarried (includes single, divorced, widowed) Separated Married Military Status: Enlisted Veteran Spouse of a Veteran N/A Race/National Origin: Unknown African-American/Black American Indian or Alaskan Native Asian Native Hawaiian or Other Pacific Islander Caucasian Multi Ethnicity: Hispanic Non-Hispanic 1 of 5

4 Declarations Please check the box next to the word that best answers the following questions for both the applicant and co-applicant. Applicant Co-Applicant a. Have you owned this home for at least one year? Yes No Yes No b. Have you lived in this home for at least one year? Yes No Yes No c. Do you intend to live in this home for at least two more years? Yes No Yes No d. Is your collection debt less than $5,000? Yes No Yes No e. If you have declared bankruptcy, was it discharged more than two years ago? If you answered no to any of these questions you do not currently meet the criteria to apply to our program. Willingness to Partner To be considered for a Maumee Valley Habitat for Humanity Home Repair you must be willing to complete a certain number of sweat equity or volunteer hours. We ask that you do this by being present during the duration of your repair, helping with your repair (where applicable), offering a helping hand in our community, and completing a survey at the completion of the project. Employment Information Applicant Yes No Yes No f. Are your property taxes paid and up-to-date or are you on a payment plan? (proof required). Yes No Yes No g. Are you a U.S. citizen or permanent resident? Yes No Yes No I am willing to complete the required sweat equity hours: Applicant: Yes No Co-Applicant: Yes No Please List All Individuals Living in the Home Name Age Gender Do they have a physical disability? Yes Yes Yes Yes Yes Yes Co-Applicant No No No No No No Name of Current Employer Address of Current Employer Phone Number Years of Employment 2 of 5

5 Monthly Income Income Source Applicant Co-Applicant Wages $ $ Social Security $ $ SSI $ $ Disability $ $ Retirement/Pension/VA $ $ Child Support $ $ Alimony $ $ Food Stamps $ $ TANF $ $ Other: $ $ Total $ $ Monthly Expenses Expense Source Applicant Co-Applicant Mortgage $ $ Property Tax $ $ Home Insurance $ $ Health Insurance $ $ Auto Insurance $ $ Car Payment $ $ Gas $ $ Electric $ $ Water $ $ Phone/Mobile $ $ Internet/Cable $ $ Alimony $ $ Child Support $ $ Medical/Prescriptions $ $ Food $ $ Other: $ $ Total $ $ 3 of 5

6 Please list the requested health and safety related repairs in order of priority Please describe how these repairs would improve the overall health, safety, and quality of life for you and your family. 4 of 5

7 By signing below, I (we) understand by completing this application, I (we) am authorizing Maumee Valley Habitat for Humanity to: Evaluate my actual need for a Habitat for Humanity Home Repair Evaluate my ability to repay the 0% interest loan Evaluate my willingness to be a partner family Verify my employment Retain the original or a copy of this application, even if the application is not approved, for the appropriate amount of time Collaborate with other housing organizations and release non-sensitive information to allow other services to be considered As part of my sweat equity requirement, I will: Authorization and Release Be present for the duration of the home repair. Exceptions must be discussed with Maumee Valley Habitat for Humanity before work begins. Allow volunteers to use my bathroom, provide drinking water, and use my home as emergency shelter in severe weather. Grant permission for volunteers to help with the home repairs. Ensure that the exterior and interior areas to be repaired will be clean of all debris and any objects that may interfere with the repairs. Offer a helping hand in my community. I authorize Maumee Valley Habitat for Humanity and its representatives to also release protected information, regarding this application, to the following person: (leave blank if not interested in this option). Name Relationship Phone By signing below, I am confirming I have answered all the questions in this application truthfully. I understand that if I have not answered the questions truthfully my application may be denied, even if I have already been selected to receive a home repair. I am committing to live in the home for at least two (2) years after completion of the project. By signing below, I authorize Maumee Valley Habitat for Humanity to obtain a credit report on each applicant. This information may be used to establish credit worthiness to fulfill the debt obligation. I acknowledge that I will be responsible to pay a 10% down payment for the repairs, followed by monthly payments at zero percent (0%) interest. Applicant signature Date: Co-applicant signature Date: The following documents must be submitted with your application Completed and signed application Proof of income (see Applicant Overview for accepted documents) Copy of deed Proof of current homeowner s insurance Proof of tax payment plan with city (if applicable) Please allow up to 90 days for your application to be processed. 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, handicap, familial status, or national origin. 5 of 5