Everyone deserves a safe space to call home. At Habitat for Humanity Calaveras, we bring hope and peace to members of our community by building or repairing their homes. Together with our dedicated volunteers, we provide families with safe and affordable housing in Calaveras County.
We know that strong and stable homes build strong and stable communities. Future Habitat homeowners are active participants in the home building and home-buying process. The foundation of our unique program is working in partnership with families seeking the strength, stability, and independence that homeownership provides. Habitat homeowners build and buy their very own homes, creating brighter futures for themselves and their families.
DO YOU QUALIFY FOR A HABITAT FOR HUMANITY CALAVERAS HOME?
QUALIFICATIONS
A NEED FOR ADEQAUTE HOUSING
Homebuyers chosen for a Habitat house must live in inadequate, overcrowded, unsafe, and/or overly expensive housing.
THE ABILITY TO PAY A LOW-INTEREST MORTGAGE
Habitat home buyers must maintain an income sufficient to repay a low-interest loan and have a good credit history. The maximum income is dependent on family size and will generally be in accordance with “low income” determinations made by HUD (Housing & Urban Development) and USDA (United States Department of Agriculture). The monthly mortgage payments are tailored to homeowners and will be no more than 30% of the gross monthly household income.
WILLINGNESS TO PARTNER
Attending and completing Homeowner Classes in money management, home ownership and home maintenance.
Performing a minimum of 250 hours (maximum of 500 hours) of “Sweat Equity” per household by working on construction of their houses or helping to further Habitat’s mission.
HOMEOWNERS ARE SELECTED BASED ON:
Partner homeowners also receive counseling and training on homeownership and maintenance.
Monthly payments are manageable, and often Habitat homeowners pay less for their new home than they did for their previous substandard housing.
Habitat for Humanity Calaveras does not discriminate based on race, color, creed, religion, sex, national origin, age, familial status, ancestry, physical handicap, medical condition, veteran status, sexual orientation, AIDS, AIDS-Related Condition (ARC), mental disability or any other arbitrary basis. The family selection process is fair and unbiased.
EQUAL HOUSING OPPORTUNITY
Notice: The federal Equal Credit Opportunity Act prohibits creditors from discriminating against applicants on the basis of race, color, religion, national origin, sex, marital status or age (provided the applicant has the capacity to enter into a binding contract); because all or part of the applicant’s income derives from any public assistance program; or because the applicant has in good faith exercised any right under the Consumer Credit Protection Act. The federal agency that administers compliance with this law concerning this is the Consumer Financial Protection Bureau, 1700 G Street N.W., Washington, D.C., 20552.
OTHER INFORMATION