Read carefully to see if you meet the requirements for partnership with Ulster County Habitat for Humanity. To be selected for home ownership you need to meet all of the following criteria:
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You need a steady income which is necessary to meet your mortgage payment as well as provide for utilities (heat, electric, water, refuse, etc.), home owners insurance, taxes, and necessary maintenance. In Ulster County the minimum figure for a family of four is about $40,000 and the maximum amount you can earn is $53,000. There are slight adjustments for smaller and larger families. We estimate housing costs to be about $900-$1,000 per month.
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You need to have a good credit rating. You cannot have any outstanding judgments or liens against you and you cannot have declared bankruptcy in the past seven years. Your long term debt ratio cannot exceed 40% of your income. In addition to your housing costs, long term debt includes auto payments, credit cards, child support, and alimony. If you owe a lot of money and have difficulty meeting monthly payments and do not seem to be able to reduce your long term debt, you are not a good candidate for home ownership. You might want to seek out a credit counseling agency to help you get your credit in order.
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You need to currently live in substandard housing. This could mean overcrowding or unsafe conditions, inadequate heat and sanitary conditions, or severe structural problems. It could also mean being severely cost-burdened. In other words, if all your income goes to keeping a roof over your head and thus deprives your family of adequate nutrition, clothing and education, you might qualify even if your current housing is considered to be adequate.
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You and your family and friends are willing to invest at least 250 hours of “sweat equity” in Habitat projects. This can take on many forms including actual construction work as well as fund raising, clerical, and other volunteer activities.
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You have been a resident of or employed in Ulster County for at least 1 year.
If you think you can be a candidate for Habitat Partnership, complete the information below and sent it to:
Mail to: Ulster County Habitat for Humanity
PO Box 2554
Kingston, NY 12402-2554 |
or |
Fax to: 845-689-2480 |
I would like to receive an application to partner with Habitat. I have read the information above and believe I may qualify as a Habitat Partner.
Print Name: _________________________________
Address: ___________________________________
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Signature: ___________________________________ Date: _____/_____/_____
