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Criteria
Applicants for a Habitat Housing Partnership are evaluated in four areas:
Their need for housing
Their ability to pay an interest-free mortgage (at fair market value of the property)
Their willingness to partner with Habitat NL
Other
Need
Applicants must be living in inadequate and/or unsuitable housing and not be eligible for a conventional home mortgage. Inadequate and/or unsuitable housing may include: overcrowding, inadequate heating, inadequate plumbing, leaking roof, unsafe or unsanitary conditions, or an upkeep cost that is too much for the family.
Ability to Pay
Habitat partner families must be able to make mortgage payments to Habitat for Humanity NL, and must fall within income criteria based on family size. (Limits are based on Statistics Canada low income cut-offs for NL - 2009)
| 2 |
24,269.00 |
29,836.00 |
|---|
| 3 |
29,836.00 |
36,226.00 |
|---|
| 4 |
36,226.00 |
41,086.00 |
|---|
| 5 |
41,086.00 |
46,339.00 |
|---|
| 6 |
46,339.00 |
51,591.00 |
|---|
| 7 |
51,591.00 |
56,750.00
|
|---|
Willingness to Partner
- Habitat Partner Families contribute 500 hours of sweat equity to Habitat NL, either through the construction of their own home, the homes of other Habitat famililes, the ReStore, or other Habitat NL initiatives.
- Habitat Partners must accept the responsiblities typical of home ownership: adequate insurance, regular upkeep and maintenance, etc. are the responsibility of the home-owner. Homeowners must keep the home in an appropriate condition. Habitat NL offers Habitat for Humanity Homeowner Workshops prior to home completion.
- Habitat Partner Families must be willing to promote the cause, benefits and goodwill of Habitat for Humanity NL which can take the form of publicity (media, promotions, seminars, testimonitals, etc.).
Other
- Applicants must have lived in in the build area for at least one year prior to the date of application
- Applcants must not have held a mortgage in the past
- Applicants can not own any real estate /property (house, cabin, land, etc.)
How to Apply
1. Download the following forms:
2. Review the Criteria Brochure
3. Review the Sweat Equity Policy
4. Complete the Consent Form
5. Complete the Application Form
6. Forward the completed Application Form and Consent Form to
Habitat for Humanity NL
All applicantions will be reviewed through the Habitat NL screening and assessment process. This involves reviewing and verifying documents submitted and other means as determined by the Family Selection Committee. The Family Selection Committee will conduct interviews with families who are screened into the process and eligible based on the documents received.
Upon completion, a recommendation will be made to the Habitat for Humanity NL Board of Directors for a final approval. |