PRE-APPLICATION INFORMATION Please Keep This Page For Your Records

Transcription

1 Habitat for Humanity of Knox County Ohio, Inc. 200 N. Main Street Mt. Vernon, OH (740) PRE-APPLICATION INFORMATION Please Keep This Page For Your Records Dear Applicant, Habitat for Humanity is a non-denominational, Christian housing ministry that seeks to make decent shelter a matter of conscience and action. We construct simple, affordable houses sold at no profit with no-interest mortgages. Our homes are built using volunteers in partnership with approved Habitat families. If you would like assistance in completing your application, you may call us at the number listed above. Please read the following to determine if you meet Habitat s guidelines. HOW DOES HABITAT FOR HUMANITY OF KNOX XOUNTY, OHIO WORK? Through tax-deductible donations of money, materials and volunteer labor, Habitat builds and/or renovates homes with the help of the future homeowner or partner family. Houses are sold to partner families for no profit with no-interest mortgages. Costs of the homes differ due to location, labor, land, and materials. Currently, a Habitat home in Knox County averages $70,000. Mortgages are issued for a fixed time period; small monthly payments, including taxes and insurance, are repaid over 20 to 30 years and deposited into a revolving Fund for Humanity which supports the construction of more houses in Knox County. Mortgage payments must be on time and in full each month in order that home ownership is not compromised. HOW DOES THE PARTNERSHIP WITH HOMEOWNERS WORK? Habitat is not a giveaway program; it is a joint venture in which those who benefit from the housing ministry are involved in the work at various levels. Each homeowner/partner family is required to invest sweat equity hours into the construction of their home. HOW ARE PARTNER FAMILIES SELECTED? Families apply to the local Habitat for Humanity program. The Family Selection Committee selects Partner Families based on their level of need, their ability to successfully manage outstanding debt as well as their ability to make monthly mortgage payments and their willingness to become partners in the program. Every project follows a nondiscriminatory policy of family selection. Race, religion, and ethnicity are not factors in choosing the families to receive Habitat houses. Habitat for Humanity of Knox County, Ohio, Inc. provides mortgages for HFH houses to applicants who have a minimum credit rating of 575 and are at least 21 years of age.

2 APPLICATION for Homeownership 200 North Main Street Mount Vernon, Ohio Phone: Fax: 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. Dear Applicant: We need you to complete this application to determine if you qualify for a Habitat house. Please fill out the application as completely and accurately as possible. All information you include on this application will be kept confidential. NOTE: If more space is needed to complete any part of this application, please attach a separate sheet of paper. Mark your additional comments with A for Applicant and C for Co-Applicant. All applicants must be at least 21 years of age. Applicant s Name Applicant 1. APPLICANT INFORMATION Co-Applicant Co-Applicant s Name Date of Birth / / All applicants must be at least 21 years of age. Social Security # - - Age Home Phone ( ) Married Separated Unmarried (single, divorced, widowed) Dependents and others who will live with you: Name Age Male Female Date of Birth / / All applicants must be at least 21 years of age. Social Security # - - Age Home Phone ( ) Married Separated Unmarried (single, divorced, widowed) Dependents and others who will live with you: Name Age Male Female Page 2

3 Appl -Present Address (street, city, state, ZIP code) Present Address Co-Appl-Present Address (street, city, state, ZIP code) Own Rent Number of Years Home Mobile Home Vacant Land Own Rent Number of Years Home Mobile Home Vacant Land If Living at Present Address for Less Than Two Years, Complete the Following Last Address (street, city, state, ZIP code) Last Address (street, city, state, ZIP code) Number of Years Own Rent Number of Years Own Rent Applicant References (References Must be Unrelated) Co-applicant References (References Must be Unrelated) 1. Name 1. Name Phone ( ) Phone ( ) 2. Name 2. Name Phone ( ) Phone ( ) 2. FOR OFFICE USE ONLY DO NOT WRITE IN THIS SPACE Date Received: More Information Requested? Yes No Date Application Completed: Accepted Denied Date Letter Sent: Date of Home Visit: Date Verifications Received: Landlord: Employment: Date of Orientation: 3. WILLINGNESS TO PARTNER To be considered for a Habitat home, you and your family must be willing to complete a certain number of sweat-equity hours. Your help in building your home and the homes of others is called sweat-equity, and may include cleaning the lot, painting, helping with construction, working in the Habitat office, attending homeownership classes or other approved activities. I AM WILLING TO COMPLETE THE REQUIRED SWEAT-EQUITY HOURS: Applicant: Yes No Co-applicant: Yes No Page 3

4 Number of bedrooms (please circle) Other rooms in the place where you are currently living: 4. PRESENT HOUSING CONDITIONS Kitchen Bathroom Living Room Dining Room Other (please describe) If you rent your residence, what is your monthly rent payment? $ /month (Please supply a copy of a money order receipt of canceled check, as verification.) Name, address and phone number of current landlord: In the space below, describe the condition of the house or apartment where you live. Why do you need a Habitat home? Page 4

5 5. PROPERTY INFORMATION If you own your residence, what is your mortgage payment? $ /month Unpaid Do you own land? Yes No (If yes, please describe, including location) Is there a mortgage on the land? Yes No If yes: Monthly Payment $ Unpaid If you are approved for a Habitat home, how should your name(s) appear on the legal documents? Applicant: Co-applicant: Applicant 6. EMPLOYMENT INFORMATION Co-applicant Name and Address of Current Employer Years on This Job Name and Address of Current Employer Years on This Job Business Phone ( ) Position Business Phone ( ) Position Hourly wage: $ Hours worked per week: Hourly wage: $ Hours worked per week: If Working at Current Job Less Than One Year, Complete the Following Information Name and Address of Last Employer Years on This Job Name and Address of Current Employer Years on This Job Business Phone ( ) Position Business Phone ( ) Position Hourly wage: $ Hours worked per week: Hourly wage: $ Hours worked per week: Notes: Page 5

6 7. MONTHLY INCOME Others in Gross Monthly Income Applicant Co-Applicant Household Income Base Employment Income $ $ $ Others in Household Name TANF $ $ $ Food Stamps $ $ $ Social Security $ $ $ SSI $ $ $ Disability $ $ $ Alimony $ $ $ Child Support $ $ $ Other $ $ $ Total $ $ $ FOR OFFICE USE ONLY DO NOT WRITE IN THIS SPACE $ Monthly $ Annually D/I: % List additional household members over 18 who receive income: Name Age Monthly Income $ $ $ 8. SOURCE OF ESCROW (approximately $300) Where will you get the money to make the 2 months escrow (approximately $300)? If you borrow the money, who will you borrow it from (for example, savings or parents), and how will you pay it back? Page 6

7 9. CREDIT REPORT If you have computer access please go to annualcreditreport.com and print out a credit report to submit with your application. If you do not have access to a computer, you may use the computers at the Public Library, or we will be happy to assist you in our office. Please use only the secure annualcreditreport.com website and no other. 10. COMBINED MONTHLY BILLS AND DEBT Others in Unpaid Months Left Gross Monthly Income Applicant Co-Applicant Household Balance To Pay Rent $ $ $ $ xxxxxx xxxxxx Utilities (water, heat, etc.) $ $ $ $ xxxxxx xxxxxx Telephone $ $ $ $ xxxxxx xxxxxx Land Line $ $ $ $ xxxxxx xxxxxx Cell Phone Contract $ $ $ $ Cable Television / Satellite Dish $ $ $ $ Household Expenses (toilet paper, cleaning supplies, etc.) $ $ $ $ xxxxxx xxxxxx Food $ $ $ $ xxxxxx xxxxxx Entertainment (dining out/ recreation etc.) $ $ $ $ xxxxxx xxxxxx Medical/Dental $ $ $ $ xxxxxx xxxxxx Gifts $ $ $ $ xxxxxx xxxxxx Vacation $ $ $ $ xxxxxx xxxxxx School Expense $ $ $ $ xxxxxx xxxxxx Lunch $ $ $ $ xxxxxx xxxxxx Supplies $ $ $ $ xxxxxx xxxxxx Sports $ $ $ $ xxxxxx xxxxxx Student Loans $ $ $ $ Other $ $ $ $ Alimony/Child Support $ $ $ $ xxxxxx xxxxxx Job Related Expense (Child Care, Union Dues, Travel, Etc.) $ $ $ $ xxxxxx xxxxxx Sub-total Monthly Bills $ $ $ DEBT Car Payments $ $ $ $ Car #1 $ $ $ $ Car #2 $ $ $ $ Insurance $ $ $ $ Furniture, Appliances, TV $ $ $ $ Page 7

8 OTHER DEBT - (Please Include Credit Card Payment, Pay Day Loan, Tax Lien, Etc) 1) $ $ $ $ 2) $ $ $ $ 3) $ $ $ $ 4) $ $ $ $ Sub-total Other Debt $ $ $ $ xxxxxx TOTAL MONTHLY BILLS & DEBT $ $ $ $ Name and Address of those listed under Other Debt 1) 2) 3) 4) 1. Name and Address of Bank, Savings & Loan, or Credit 11. ASSETS List Checking and Savings Accounts Below 1. Name and Address of Bank, Savings & Loan, or Credit 2. Name and Address of Bank, Savings & Loan, or Credit 2. Name and Address of Bank, Savings & Loan, or Credit 3. Name and Address of Bank, Savings & Loan, or Credit 3. Name and Address of Bank, Savings & Loan, or Credit Do you own a: Yes No Boat Mobile Home Washer Dryer Do you own a: Yes No Car (#1) Make and Year Car (#2) Make and Year Page 8

9 12. DECLARATIONS Please Check the Box That Best Answers the Following Questions for You and the Co-applicant. a. Do you have any debt because of a court decision against you? b. Have you been declared bankrupt within the past seven years? c. Have you had property foreclosed on in the past seven years? Applicant Co-applicant Yes No Yes No Yes No Yes No 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 If you answered yes to any question a through e, or no to question f, please explain on a separate piece of paper. 13. 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 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 also understand that Habitat for Humanity screens all potential staff (whether paid or unpaid), board members and applicant families on the sex offender registry, and that by completing this application, I am submitting myself and all persons listed on the first page of the application to such an inquiry. I further understand that by completing this application, I am submitting myself and all persons listed on the first page of the application to a criminal background check. Applicant Signature X Date Co-applicant Signature X Date 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. The application was taken by: Face-to-face Interview By Mail By Telephone To Be Completed Only By The Person Conducting The Interview Interviewer s Information: Interviewer s Name (Print or Type) Interviewer s Signature Date Interviewer s Phone Number Page 9

10 NOTES: 14. INFORMATION FOR GOVERNMENT MONITORING PURPOSES Please Read This Statement Before Completing The Box Below: The following information is requested by the federal government for loans related to the purchase of homes, in order to monitor the lender s compliance with equal credit opportunity and fair housing laws. You are not required to furnish this information, but are encouraged to do so. The law provides that a lender may neither discriminate on the basis of this information, nor on whether you choose to furnish it or not. However, if you choose not to furnish it, under federal regulations this lender is required to note race and sex on the basis of visual observation or surname. If you do not wish to furnish the information below, please check the box below. (Lender must review the above material to assure that the disclosures satisfy all requirements to which the lender is subject under applicable state law for the loan applied for.) Applicant Co-applicant I do not wish to furnish this information. I do not wish to furnish this information. Race/National Origin: Race/National Origin: American Indian or Alaskan Native American Indian or Alaskan Native Native Hawaiian or Other Pacific Islander Native Hawaiian or Other Pacific Islander Black/African American Black/African American Caucasian Caucasian Asian Asian American Indian or Alaskan Native AND Caucasian American Indian or Alaskan Native AND Caucasian Asian AND Caucasian Asian AND Caucasian Black/African American AND Caucasian Black/African American AND Caucasian American Indian or Alaskan Native AND American Indian or Alaskan Native AND Black/African American Black/African American Other (Specify) Other (Specify) Ethnicity: Ethnicity: Hispanic Non-Hispanic Hispanic Non-Hispanic Sex: Sex: Female Male Female Male Birthdate: / / Birthdate: / / Marital Status: Married Unmarried (Inc. Single, divorced, widowed) Marital Status: Married Unmarried (Inc. Single, divorced, widowed) Page 10