Home Ownership through Habitat for Humanity

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An avid community volunteer, Emma Wise has volunteered with the Geauga County chapter of Habitat for Humanity in Newbury, Ohio. There, Emma Wise partnered with organization leaders and other volunteers to build homes for families in need.

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Home Ownership through Habitat for Humanity

  1. 1. By Emma Wise
  2. 2.  An avid community volunteer, Emma Wise has volunteered with the Geauga County chapter of Habitat for Humanity in Newbury, Ohio. There, Emma Wise partnered with organization leaders and other volunteers to build homes for families in need. To own a home through Geauga County Habitat for Humanity, a family must be a county resident for a minimum of two years. The family must also demonstrate both financial and physical need. This means that the family's current living conditions must fail to meet basic needs and/or safety standards and that the family must be unable to obtain a traditional mortgage. However, the family must possess the means to pay for expenses related to home ownership.
  3. 3.  According to accepted guidelines, a family's monthly mortgage costs as a Habitat owner must be equal to or less than 38 percent of their gross monthly income. These costs typically range from $500 to $700. Habitat can work with a family to reduce debts and revise their monthly budget so that, provided that their income meets these qualifications, they can more effectively pay housing-related bills.
  4. 4.  Potential Habitat owners must also be willing to participate in the building effort. Those for whom Habitat is building a new house must agree to contribute at least 400 hours of sweat equity and, for renovations, 250 hours. On-site construction work and administrative work both count toward those hours.

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