Habitat for Humanity of Greater Memphis Family Selection Requirements

Transcription

1 Habitat fr Humanity f Greater Memphis Hmewnership Prgram Applicatin Package Revised Dec 2016 Habitat fr Humanity f Greater Memphis Family Selectin Requirements First, families are chsen wh are hmeless r living in inadequate r substandard cnditins. Such circumstances may be caused by vercrwding r by deplrable physical cnditins f the dwelling. Other factrs that wuld cause living cnditins t be deemed inadequate r substandard will als receive cnsideratin. Husing which represents an excessive cst burden (mre than 30% f a family s grss mnthly incme) is cnsidered substandard. Next, families must be in the lw t very lw incme tax bracket. (Lw incme is defined as thse husehlds earning less than 80% f Shelby Cunty median incme per husehld, based n family size, and which wuld prevent the family frm btaining mrtgage financing frm a bank r ther traditinal mrtgage lender.) We screen applicants fr stability f incme and credit t determine their ability and willingness t pay the mnthly payments n the nn-prfit, n-interest mrtgage prvided by Habitat fr Humanity f Greater Memphis t its hmebuyers Incme Guidelines: Family Size Grss Annual Incme Range 1 $12,650 - $33,700 2 $14,450 - $38,500 3 $16,250 - $43,300 4 $18,050 - $48,100 5 $19,500 - $51,950 6 $20,950 - $55,800 7 $22,400 - $59,650 8 $23,850 - $63,500 Families must als be willing t fulfill the requirements f the Habitat hmewnership prgram by cmpleting a mandatry hmebuyer educatin and pst purchase prgrams. Finally, families are required t cmplete three hundred fifty (350) hurs in sweat equity, which can be earned by building their huse, anther Habitat hmewner s huse, r ther cmmunity service apprved by Habitat. Families must be gd stewards f their hme and their hew hmewner status by making mnthly payments n time, maintaining the physical upkeep f the prperty, including the lawn, being mindful f and aviding predatry lenders, and abstaining frm increased debt lad during their participatin in the Habitat Hmewnership Prgram. 1

2 Habitat fr Humanity f Greater Memphis Hmewnership Prgram Applicatin Package Revised Dec 2016 Habitat fr Humanity f Greater Memphis Qualificatin Guidelines Please nte that the fllwing circumstances will result in a denial f yur applicatin. Applicant r c-applicant has had an wnership interest in real prperty (including timeshare wnership) within the past three years. Applicant r c-applicant has had a freclsure r given a deed in lieu f freclsure within the past fur years. Applicant r c-applicant has unpaid tax liens, medical bills, cllectins accunts, r judgments shwing n their credit reprt. Applicant r c-applicant is presently in bankruptcy. (Prir Chapter 7 bankruptcies must have been discharged a minimum f tw years prir t applicatin, and acceptable credit must have been re-established. Prir Chapter 13 bankruptcies must have been discharged a minimum f ne year prir t applicatin, and all payments under the plan must have been made, and acceptable credit must have been re-established). Inaccurate, incmplete, materially misleading, r false infrmatin is prvided n the applicatin r during the applicatin prcess. Must have a 2 year wrk histry. Gaps in emplyment ver 30 days will require a written explanatin. Criminal histry is als cnsidered in ur evaluatin f a family s suitability and eligibility fr the Habitat Hmewnership Prgram. Any histry f felny, drug, weapns, sexual, r vilent ffenses (including arrests and/r cnvictins), may cnstitute grunds fr denial f an applicatin. Habitat fr Humanity f Greater Memphis is pledged t the letter and spirit f the U.S. plicy fr the achievement f equal husing pprtunity thrughut the natin. We encurage and supprt an affirmative advertising and marketing prgram in which there are n barriers t btaining husing because f race, clr, religin, sex, handicap, familial status, r natinal rigin. Habitat fr Humanity f Greater Memphis is an equal pprtunity emplyer. 2

3 Habitat fr Humanity f Greater Memphis Hmewnership Prgram Applicatin Package Revised Dec 2016 Applicatin Checklist: All f the items listed belw MUST be returned with yur applicatin. The fully cmpleted applicatin with all signatures. A mney rder r cash fr $25.00, payable t Habitat fr Humanity f Greater Memphis, t cver yur applicatin fee. Three frms f identificatin (drivers license, birth certificate, and scial security card) fr every persn wh will ccupy the Habitat hme fr which yu are applying. Yur mst recent paycheck stub with year t date earnings. (If the applicant is selfemplyed, we require the past tw years tax returns with all schedules and a year t date prfit and lss statement). This is required fr every persn ver the age f 18 wh will ccupy the Habitat hme fr which yu are applying. Yur 2015 r 2016 (After January 2017 if yu have them) tax return, all pages and with all W-2s and 1099 s (If self-emplyed, tw years tax returns must be prvided). The mst recent Scial Security award letters fr any individual wh will ccupy the Habitat hme fr which yu are applying that receives Scial Security benefits. If child supprt is being received r, if yu are required t pay child supprt, we must be prvided the case number r a printut frm the curt clerk r TN child supprt prgram shwing that all required supprt has been received r paid fr a perid f at least ne year withut interruptin. Acknwledgment/Cnsent t Sex Offender Registry search fr every individual wh will ccupy the Habitat hme wh is ver the age f 18. Bank statements (all pages) fr the tw mnths immediately preceding the mnth in which the applicatin is made (fr applicant and c-applicant). Please nte: Incmplete applicatins will be rejected. In the event that an incmplete applicatin is accepted in errr, it will nt be prcessed until cmplete. 3

4 Habitat fr Humanity f Greater Memphis Hmewnership Prgram Applicatin Package Revised Dec 2016 Habitat fr Humanity f Greater Memphis Hmewnership Prgram Applicatin Applicant: Date f Birth: Phne Number: ( ) Scial Security N.: Alternate Phne Number: address: Address: Zip Prir Addresses: (if at current address less than 2 years): Emplyer Name and Address: Phne: Hw lng: Jb Title: Previus emplyers and dates f emplyment (if at present jb fr less than tw years): Are yu a veteran? D yu have a disability? Marital Status (circle ne): Single Married Separated Divrced Highest Grade/Degree cmpleted C-Applicant: Date f Birth: Phne Number: ( ) Scial Security N.: Alternate Phne Number: address: Address: Prir Addresses: (if at current address less than 2 years): Emplyer Name and Address: Phne: Hw lng: Jb Title: Previus emplyers and dates f emplyment (if at present jb fr less than tw years): Are yu a veteran? D yu have a disability? Highest Grade/Degree cmpleted: Marital Status (circle ne): Single Married Separated Divrced 4

5 Habitat fr Humanity f Greater Memphis Hmewnership Prgram Applicatin Package Revised Dec 2016 HOUSING INFORMATION: Current hme size: Bedrms Bathrms Number f persns living in yur current hme: Are yu hmeless? Yes/N (circle ne) Are yu living in a part f anther family s hme? Yes/N (circle ne) Explain, if needed: Are yu receiving Sectin 8 r living in public husing? Current hme cnditins: (circle the apprpriate respnse, and explain in the prvided space) Overcrwded? Yes/N Structural prblems? Yes/N Envirnmental issues? Yes/N (pr insulatin, nn-functining heat r air cnditining, pr indr air quality) Safety cncerns? Yes/N Electrical/Plumbing issues? Yes/N Present landlrd name: Phne Number: Fax Number: Current mnthly rent: $ hw much d YOU pay? Current mnthly utilities: $ hw much d YOU pay? 5

6 Habitat fr Humanity f Greater Memphis Hmewnership Prgram Applicatin Package Revised Dec 2016 Previus landlrd name (if less than 2 years at present address) Phne Number: Fax Number: HOUSEHOLD INFORMATION: Number f individuals wh will ccupy the hme: Individuals wh will ccupy the hme: Name Age Male/Female Relatinship t Applicant Mnthly Expense Infrmatin: We will perfrm a preliminary evaluatin f yur ability t make mnthly payments n the zer-percent mrtgage ffered via the Habitat Hmewnership Prgram. Infrmatin n yur husehld s mnthly expenses is essential t this determinatin. Please nte that if yu are deemed eligible fr the prgram, yu will be asked t cmplete a lan applicatin, and additinal incme and expense infrmatin may be required frm yu at that time, r frm time t time, as yu prceed with the applicatin and apprval prcess. Car payment (if any) $ Child care $ Health insurance $ Cable/internet $ Cell phne $ Credit cards $ Car Insurance $ Utilities $ Other: 6

7 Habitat fr Humanity f Greater Memphis Hmewnership Prgram Applicatin Package Revised Dec 2016 Incme Infrmatin: Many f Habitat s hmebuilding activities are funded by grants which require that we serve nly lwincme persns. In rder that we may cmply with the requirements f the grants under which we perate, we are required t determine the GROSS MONTHLY HOUSEHOLD INCOME (befre taxes) f the individuals wh intend t ccupy the Habitat hme. All individuals ver the age f 18 wh d nt wrk will be required t sign an Affidavit f N Incme. Incme Type Applicant C-Applicant Dependents ver 18 Mnthly Base salary Overtime (2 yr. avg.) Scial Security Incme Child Supprt Other TOTALS Lcatin Preference: Habitat fr Humanity f Greater Memphis builds hmes in a variety f lcatins. Please rank yur husing lcatin preference using the fllwing scale: 1 = mst desirable; 2 = less desirable, but acceptable; 3 = nt interested. Winchester/Tchulahma Area Winchester/Mendenhall Area Uptwn Memphis Nrthaven Bingham/Pershing Area Raleigh Area Hlmes/Weaver Area Nrth Memphis Habitat cannt guarantee that hmes r building lts will be available in any particular area at any particular time. Hwever, prviding this infrmatin will help us plan ur upcming cnstructin prjects and will als help us t accmmdate yur lcatin preference where we are able t d s. 7

8 Habitat fr Humanity f Greater Memphis Hmewnership Prgram Applicatin Package Revised Dec 2016 Certificatin and Authrizatin By signing this applicatin fr the Habitat fr Humanity hmewnership prgram, I/we certify that: I/we have nt held an wnership interest in real prperty within the past three years; I/we am/are willing t cmplete the required Hmebuyer Educatin prgram presented by Habitat; I/we am/are willing and able t cmplete the required sweat equity (350 hurs fr a sle applicant, and 400 hurs fr a jint applicatin); I/we understand that the Habitat hmewnership prgram requires prspective hmewners t make a $1,000 dwn payment n their hme and save a $1,000 emergency fund befre they can clse n the purchase f their hme, and I am/we are able t cmply with these requirements. All infrmatin cntained n this applicatin is true and cmplete. I/we understand that any false, incmplete, materially misleading r inaccurate infrmatin n this applicatin may result in denial f my/ur applicatin. I/we understand that in prcessing my/ur applicatin and evaluating my/ur suitability and eligibility fr the Habitat hmewnership prgram, Habitat will perfrm a sex ffender registry check, a credit check, and a criminal backgrund check, and that Habitat will als verify my/ur rent, emplyment and incme with my/ur emplyers and landlrds. Habitat may als cntact my prir landlrds fr a reference. I/we authrize Habitat fr Humanity f Greater Memphis t receive and independently verify the infrmatin cntained in my/ur applicatin and attachments and t perfrm the backgrund, credit, sex ffender, and criminal checks as stated abve in rder t evaluate my/ur eligibility and suitability fr the Habitat hmewnership prgram. NOTICE: This applicatin package is submitted t Habitat fr Humanity f Greater Memphis as the first step in qualifying fr ur hmewnership prgram. It is nt a lan applicatin. If yu are apprved fr the Habitat hmewnership prgram, yu will be required t cmplete and sign a Unifrm Residential Lan Applicatin. During the prcessing f yur applicatin t the hmewnership prgram, additinal infrmatin may be requested frm time t time, in rder t satisfy ur family selectin guidelines. Any requested infrmatin must be prvided within 30 days f ur written request, r yur applicatin will be cnsidered withdrawn. Date: Date: Applicant signature C-applicant signature Applicatin received by: Date: Habitat fr Humanity f Greater Memphis is pledged t the letter and spirit f the U.S. plicy fr the achievement f equal husing pprtunity thrughut the natin. We encurage and supprt an affirmative advertising and marketing prgram in which there are n barriers t btaining husing because f race, clr, religin, sex, handicap, familial status, r natinal rigin. Habitat fr Humanity f Greater Memphis is an equal pprtunity emplyer. 8

9 Habitat fr Humanity f Greater Memphis Hmewnership Prgram Applicatin Package Revised Dec 2016 Habitat fr Humanity f Greater Memphis Sexual Offender Registry and Criminal Backgrund Check Plicy fr Partner Families and Husehld Members Purpse- Plicy- As a ministry, Habitat fr Humanity f Greater Memphis (HFHGM) values the safety f children, ur emplyees, vlunteers, and the families we serve. We want t take prudent measures t prtect ur human and material resurces. HFHGM requires that Sex Offender Registry and criminal backgrund checks be cnducted fr all adult members f ptential Partner Families. HFHGM reserves the right t recheck sex ffender and/r criminal backgrund status at any time during the qualificatin prcess, hmebuilding prcess, and during any ccupancy f the prperty by a Partner Family prir t the clsing f the purchase f the Habitat hme by the Partner Family. Disqualificatin Criteria- A Sex Offender Registry r criminal backgrund finding may disqualify an applicant frm hmewnership with HFHGM. In determining eligibility, HFHGM, in its sle discretin, may cnsider several factrs, including withut limitatin, ne r mre f the fllwing: The nature f the cnvictin and whether children were invlved; The amunt f time elapsed since the ffense; The extent t which the ffense may affect the persn s fitness r ability t cmplete the requirements f the hmewnership prgram; The age f the individual when the ffense ccurred; The number f cnvictins (if mre than ne); Whether partnering with the applicant and/r candidate wuld pse a risk f legal liability t the rganizatin; The extent t which the individual has made an effrt twards rehabilitatin since the cnvictin; Whether the ffense is f a type which is likely t have an impact n hmewners living in the immediate vicinity (such as drug ffenses); Whether the crime invlved vilence r weapns; 9

10 Habitat fr Humanity f Greater Memphis Hmewnership Prgram Applicatin Package Revised Dec 2016 Whether the state s public plicy encurages hmewnership by persns wh have been cnvicted f crimes; and Any ther factr that HFHGM deems relevant t the decisin. Effect f Failure t Prvide Infrmatin: If any applicant, member f an applicant s husehld, r member f a Partner Family s husehld withhlds r falsifies infrmatin pertaining t a sex r criminal ffense, the persn may be disqualified frm further cnsideratin. Examples where Disqualificatin Warranted Sme examples f ffenses fr which HFHGM may, within its sle discretin, determine that an individual r Partner Family is ineligible fr hmewnership include, but are nt limited t: Serius felny cnvictins; Offenses invlving the manufacture r distributin f illegal substances; Weapns ffenses; Child abuse ffenses; Dmestic vilence cnvictins; Child mlestatin; Statutry rape; Cnvictin fr an ffense related t child prngraphy; and/r Sexual assault cnvictin, including frcible rape. This abve list is nt exhaustive and is prvided fr illustrative purpses nly. HFHGM reserves the right t weigh disqualificatin criteria n a case-by-case basis and t make selectin and deselectin decisins in its sle discretin. Disqualificatins may extend t any partner family member. 10

11 Habitat fr Humanity f Greater Memphis Hmewnership Prgram Applicatin Package Revised Dec 2016 I/we acknwledge receipt f a cpy f Habitat fr Humanity f Greater Memphis s Sex Offender Registry and Criminal Backgrund Check plicy and cnsent t having my/ur name(s) checked in the Sex Offender Registry. Applicant Name: Scial Security N. Date f birth: Gender: Other names/aliases previusly used: Current Address: Previus Address/States: Have yu ever been cnvicted f, r d yu have any pending charges invlving criminal r sexual ffenses? (If yes, please explain. Cntinue explanatin n the back f this page, if necessary.) Signature: Date : C-Applicant Name: Scial Security N. Date f birth: Gender: Other names/aliases previusly used: Current Address: Previus Address/States: Have yu ever been cnvicted f, r d yu have any pending charges invlving criminal r sexual ffenses? (If yes, please explain. Cntinue explanatin n the back f this page, if necessary.) Signature: Date : 11

12 Habitat fr Humanity f Greater Memphis Hmewnership Prgram Applicatin Package Revised Dec 2016 Hmewner Applicant Vluntary Infrmatin The fllwing infrmatin is requested by the Federal gvernment fr lans related t the purchase f hmes, in rder t mnitr the Lender's cmpliance with the equal credit pprtunity and fair husing laws. Yu are nt required t furnish this infrmatin, but are encuraged t d s. The law prvides that a Lender may neither discriminate n the basis f this infrmatin, nr n whether yu chse t nt furnish it. Hwever, if yu chse nt t furnish it, under federal regulatins this lender is required t nte race and sex n the basis f visual bservatin r surname. If yu d nt wish t furnish the abve infrmatin, please check the bx belw. (Lender must review the abve material t assure the disclsures satisfy all requirements t which the Lender is subject under applicable state law fr the lan applied fr.) Race: I d nt wish t furnish this infrmatin. American Indian r Alaskan Native Asian White Native Hawaiian/Pacific Islander Black r African American American Indian r Alaska Native & White Asian & White Black r African American & White American Indian/Alaska Native & Black/African American Other Multi-Racial (specify) Ethnicity: Sex: Hispanic r Latin Nn Hispanic r Latin Female Male T be cmpleted by Affiliate: This Applicatin was taken by: Received by (print r type name) Face t face interview Mail Telephne Signature Date We are pledged t the letter and spirit f the U.S. plicy fr the achievement f equal husing pprtunity thrughut the natin. We encurage and supprt an affirmative advertising and marketing prgram in which there are n barriers t btaining husing because f race, clr, religin, sex, handicap, familial status, r natinal rigin." 12