Homeownership

 

Program Requirements

 

  1. Applicants must meet certain requirements in order for their application to be considered:

    • A need for housing, which means currently housing conditions are substandard, overcrowded, unsafe, or too expensive in relation to a family's monthly income.

    • The ability to pay a monthly mortgage with a demonstrable history of income.  Credit history is reviewed extensively.  Applicants who have been in bankruptcy must have been out of bankruptcy for at least one year and must have satisfied the judgment.  Applicants must not have had a foreclosure within 3 years.  Habitat Tuscaloosa must have verification of income for everyone living in the home, not just the applicant (see income chart below).

    • Criminal History / Sex Offender Status is reviewed.  If the applicant has a criminal history, the nature of the crime and the length of time elapsed since the crime is considered.  Habitat cannot consider registered sex offenders.

    • A willingness to partner. Partner families must fulfill "sweat equity" hours of volunteer work, both on our construction sites working on their home and other partner families' homes, working at our ReStore, and participating in required workshops and educational classes. One adult household must complete 250 hours of sweat equity. Households with two or more adults must complete 350 hours.

  2. Applicants who appear to meet the requirements of the program are forwarded to Habitat's Family Selection Committee for review. Habitat conducts a home visit and personal interview with families recommended by the committee to learn more about a family's current living situation in order to assess their need for housing and to answer any additional questions the family might have about Habitat.

  3. Once approved, the selected families and Habitat Tuscaloosa sign a "Partnership Agreement." Because there are many more applicants than available homes or funding, the Family Services Committee will select families and individuals who meet all of the qualifications and who have the greatest need for housing.

 

    ***Note*** In order to be considered for this program, you must currently      LIVE or WORK in Tuscaloosa County for at least 6 months. 

 

     

If you are interested in applying for a new home, call our office at 205-349-4629 to sign up for our next orientation class. You must attend orientation to receive an application.