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Become a Homeowner
PLEASE NOTE:
If you are interested in receiving
information at the start of our next application period, you may
send a self-addressed, stamped envelope to:
Habitat for Humanity
Philadelphia
Attn: Kathy
White
1829
N 19th
St.
Philadelphia, PA 19121
(
Top 10 Ways to Prepare for Applying)
For more information about the application
process,
click here for our
Homeowner brochure.
The Habitat Homeownership Program/ Partner
Family Program
Habitat For Humanity Philadelphia builds decent, affordable homes for and
with families in West, North, South Philadelphia, and Germantown.
What is a Partner Family?
A Partner Family is a person or family who has met Habitat
Philadelphia qualification guidelines and has entered into a partnership with us
in the building of their home.
Partner Familes agree to:
- Assist in the construction of their and other homes by contributing 350
sweat equity hours.
- Attend mandatory homeowner educational workshops.
Habitat For Humanity Philadelphia agrees to:
- offer 0% interest, 20, 25 or 30 year mortgages
- construct decent, affordable homes for (and with) the Family Partners
- enlist the help of corporate and individual volunteers to assist in the
building of the homes
Who is eligible to become a Partner Family?
- People interested in home ownership who are not able to secure
conventional mortgages through mainstream lending institutions
- People who are willing to contribute a minimum of 350 sweat equity hours
(This is at least 14 hours per month for up to two years)
- Persons who(se)
- Are currently living in overcrowded, substandard and/or dangerous
housing conditions
- Current family size can be accommodated by the houses we are building
- Total household income falls between 30% and 50% of the Philadelphia
median income for comparable family size:
| Year 2009 Income
Guidelines |
| Family Size |
Minimum 30% |
Maximum 50% |
| One |
$16,350 |
$27,250 |
| Two |
$18,700 |
$31,100 |
| Three |
$21,000 |
$35,000 |
| Four |
$23,350 |
$38,900 |
| Five |
$25,200 |
$42,000 |
| Six |
$27,100 |
$45,100 |
| Seven |
$28,950 |
$48,250 |
| Eight |
$30,800 |
$51,350 |
Top 10 Things You Can Do to Prepare for Applying:
- Collect and save W-2 statements from all employers for the past two years.
- Collect and save tax returns with all schedules for the past two years.
Request transcripts for free by calling 1-800-829-1040.
- Collect proof of income for the following items: SSI, Child Support, Food
Stamps, Alimony, etc.
- Save your pay stubs. These will be required for up to two months when you
apply.
- Save your bank statements for all accounts (checking and/or savings).
These will be required for two months when you apply.
- Gather complete addresses and telephone numbers for:
- landlord
- employers for the past two years
- banks where you have accounts
- creditors that you are paying
- If applicable, gather copies of all bankruptcy papers and/or divorce or
separation papers.
- Be sure you have a photo ID and a Social Security Card.
- Start working on debts on your credit report. You can get your free credit
report by going to www.annualcreditreport.com or by calling 877-322-8228. Be
sure to clear any judgments.
- Think positively; even if you don’t get accepted this year you can always
apply again!
To search for other services, visit
Philly SOS, provided by the City of
Philadelphia and the Department of Human Services
Habitat for Humanity Philadelphia abides by the Fair Housing Act
and the Equal Credit Opportunity Act. The Fair Housing Act makes it unlawful to
discriminate against any person in the sale, rental, advertising or financing of
housing, on the basis of race, color, religion, sex, handicap, familial status
or national origin. The Equal Credit Opportunity Act makes it unlawful for any
creditor to discriminate against any applicant, with respect to any aspect of a
credit transaction, on the basis of race, color, religion, national origin, sex
or marital status, age (provided the applicant is old enough to enter into a
contract), source of income (such as public assistance) or because the applicant
has in good faith exercised any right under the federal consumer credit laws.
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