Welcome! Introduction & involvement with HHIC Goal for the evening: history, mission statement, vision statement, how we work, and application process
Mission for Habitat for Humanity International (AKA HFHI): Habitat works in partnership with God and people everywhere to build and renovate houses, so there are decent houses in which people can live and grow into all that God intended. Each affiliated chapter have a their own vision statement, the Habitat for Humanity of Island County’s vision is to eliminate substandard housing and homelessness and to make affordable shelter a matter of conscience and action throughout Island County.
The largest misconception of HFHI is that former President Jimmy Carter and his wife founded HFHI, but they did not. The Carters did not get involved with HFHI until 1984 where they lead a group of volunteers in New York City to renovate a six-story building for 19 families which then lead into the development of the Carter Work Project. Which has now become an annual week long event where the Carters lead a group of volunteers in various locations. After visiting Koinonia Farm in 1965 outside of Americus, Georgia Linda & Millard Fuller collaborated with the founder, Clarence Jordan, in developing the concept “Partnership Housing.” The concept centered on those in need of adequate shelter by working side by side with volunteers to build simple, decent homes. The Fullers founded Habitat for Humanity International in 1976. As of today, Habitat for Humanity International has built more than 350,000 houses, sheltering more than 1.75 million people in more than 3,000 communities worldwide Habitat for Humanity is present in 90 countries and in all 50 states
Habitat for Humanity of Island County (AKA HFHIC) After attending a Habit Global Village Build in 1996, Marlene and Vic Jones established HHIC in 1998 with the support from their pastor. Since then, HHIC has fully built 25 homes locally and 21 homes abroad. They have provided affordable housing for over 60 family members and 32 children
The HHIC Goal/Vision is to eliminate substandard housing in Island County Build approximately 6-8 homes per year Double our funding in the next 3 years Double our volunteer pool to meet the demand and diversify our volunteers FUNDING We work through your donations, grants, and fundraisers that help make these homes a reality. Donations: Individuals, Companies, Church/Faith organizations, Groups, Furniture profits, 1000 Friends, Cars for Homes Grants Donated Volunteer Hours Fundraisers: Playhouse and Tom Boy Tools
These are ONLY guidelines, not absolute limits or set in stone # in family Lower income Upper income 1 $12,975 $25,950 2 14,825 29,650 3 16,675 33,350 4 18,525 37,050 5 20,025 40,050 6 21,500 43,000 7 22,975 45,950 8 24,475 48,950
The goal is to provide simple, decent, and affordable homes The homes are designed to be small enough to keep construction and maintenance cost down for the future homeowner There is a standard plan that can be revised to accommodate the personal needs of the future homeowner (example: standard house has sharp corners and a family with a disabled child has requested curved corners) Homeowners are encouraged to personalize the home. They select the color, flooring, and other essential details about their home. The homes are built according to the state Evergreen Standard, which means that all the appliances and accessories are “green” friendly and will help reduce the monthly utilities bills. We have partnered with Saratoga Community Housing to provide a 99 year land lease most properties which allows the Habitat Home owner to lease the land for a small fee each month, but still allows the overall cost to be affordable and manageable. Saratoga Community Housing representative will talk more about their partnership with Habitat for Humanity of Island County in a few minutes. (May 2011): We currently have the option for 2-3 bedroom condos and homes in Oak Harbor.
The committee is a group of volunteers; a mix of current volunteers and Habitat family member The committee advertises within the community and encourages potential Habitat families to attend the meetings Each committee member works with the applicants through the process; including screening them for the three criteria (Need, Willingness to Partner, and Ability to repay) Review application and verify information with landlords, employers, and government agencies Once all applications are reviewed and are deemed qualified applicants, they will be interviewed and participate in a home visit by a committee member Then the committee will recommend the qualified families for approval of the Habitat Board of Directors
We do not give homes away, we work with the selected family to provide stable housing. We think of it as “A hand up not a hand out.” This is to provide a stable and safe environment for their family. A sense of pride and dignity of being homeowners and room to increase their ambition to improve their educational and employment prospects.
There are three primary requirements in selecting a family: Need, Willingness to Partner, and Ability to Repay Need: Is based on the family’s current housing. If they pay over 50% of their monthly income or rent, live in substandard housing, and/or if they have inadequate housing (meaning that there are more people in the house or it’s not a healthy environment) Willingness to Partner: The selected family is required to complete 500 hours of “Sweat equity” with 100 hours being construction hours and 250 of these hours could be completed by friends/family. They are also required to attend an informational public meeting, participate in an interview and home visit, attend various homeowners education class, and meet with their designated family advisor. This also includes promptly returning complete application to committee. Ability to Repay: As part of the family selection, they are required to provide details about their credit history. They must all have proof of a steady income from 20-50% of Island county median income (refer to Income Guideline sheet in packet). This is to ensure that they can assume the mortgage payments once the house is completed and ready for them to move in. Another essential requirement is that the family selected must live in Island County for at least a year prior to family selection We do not give homes away, we work with the selected family to provide stable housing. We think of it as “A hand up not a hand out.”
The family must complete a total of 500 hours prior to completion of house; 50 before being assigned a home, 250 done by family and friends, 100 on site assisting with construction, and homeownership course. Other ways to complete sweat equity hours: Office assistant, outreach, furniture store, construction, site host, lunch crew, affiliated committees, public relations This is part of the application requirements: assistance in partnership with HHIC in building your Habitat Home and other habitat house or administrative tasks (cleaning, painting, food crew, landscaping, writing letters, stuffing envelopes, financial contribution, etc)
The first deed will be paid in a monthly mortgage payment with taxes and insurance Saratoga Community Housing representative will elaborate more on their partnership with Habitat before we continue to cover the application process.
Provide accurate financial and personal information include proof of place of employment, household income, who will be living in the house, present household indebtedness, copy of latest tax statement or record of income for the last two years, and anything that you may need to provide substantial information for your completed application Complete the required 500 sweat equity hours include all the homeownership courses Maintenance and repairs of house after occupancy Payment of taxes, insurance, water, etc in addition to house payments and land lease If in the future the family must leave their Habitat Home, they grant HHIC first option to buy back the house under the terms and conditions set forth in the mortgage Show a sincere desire for home ownership Help with planning, then enthusiastically join the excitement of the ground breaking and house dedication File and submit a release form that will allow us to verify information from various agencies and landlords
Two Years Tax Forms Two Years W-2 Forms Three Months Pay Stubs Three Months Bank Statements Court order child support, food stamps, SSI or any financial assistance Loan Payments Due (car, school, etc) Drivers License & Social Security Card Credit Card Statement Lease or Rental Agreement Childcare Expense All monthly expense outlined on application Judgments or liens Bankruptcy Paperwork Divorce Decree
1 – Applicant and Co-Applicant Information 2 – Office Use Only 3 – Willingness to Partner 4 – Present housing condition 5/6 – Current property information 7- Employment Information about applicant (and co-applicant)
Referring back to the Application Checklist slide, we will need a copy of proof and a Release Form to confirm the information you have listed on this page We need a copy of tax forms, employment pay stubs (previous three months), bank statements, court ordered (child support, food stamps, SSI, or any financial assistance), loan payments (student, car, etc), credit card statements, lease or rental agreement, child care expenses, monthly bills, judgments or liens, bankruptcy paperwork (not within the last three years), divorce decree(s), drivers license, and social security card. All of these must be submitted with the completed application prior to the deadline
16 – Debt 17- Declarations 18 – Signature 19 – Additional Space 20 – Information for government monitoring purposes
INTERVIEWS: We want you to now make an appointment with one of our interviewers who will help you to fill out the paperwork. Completed applications are due no later than May 31, 2011 by 4:00pm in the Habitat Office We hope to have processed all the applicants by the end of June
Family selection 2011 presentation
Mission Habitat works in partnership with God and people everywhere to build and renovate houses, so there are decent houses in which people can live and grow into all that God intended. Vision Habitat for Humanity Island County’s goal is to eliminate substandard housing and homelessness and to make affordable shelter a matter of conscience and action throughout Island County.
History - HFHI <ul><li>Carter Work Project </li></ul><ul><li>Founded in 1976 by Linda & Millard Fuller in Americus, Georgia </li></ul><ul><li>Built more than 375,000 houses, sheltering more than 1.75 million people in more than 3,000 communities worldwide </li></ul><ul><li>Habitat is present in over 90 countries and all 50 states </li></ul>
Local History <ul><li>Marlene and Vic Jones began HFHIC in 1998 </li></ul><ul><li>27 homes completed </li></ul><ul><li>21 homes abroad </li></ul><ul><li>60 family members and over 32 children have been served </li></ul>
HHIC-Goals <ul><li>Eliminate substandard housing in Island County </li></ul><ul><li>Build 6-8 homes per year </li></ul><ul><li>Double our funding in the next 3 years </li></ul><ul><li>Double our volunteer pool to meet demand and diversify our volunteers </li></ul>HFHIC Funding
Need in Island County <ul><li>Mortgage payment is typically under $500 compared to $1,400 </li></ul><ul><li>We serve 25-55% of median income </li></ul><ul><ul><li>Income between $15,000-45,000 </li></ul></ul><ul><ul><li>Depends on family size </li></ul></ul><ul><ul><li>Average income currently served is $20,150 </li></ul></ul>
What we build <ul><li>Simple - Modestly-sized for the family needs </li></ul><ul><li>Decent - Quality, Sustainable building practices </li></ul><ul><li>Affordable - Labor from volunteers, family sponsors, </li></ul><ul><li>modest house size, and non-profit loans </li></ul>
Family Selection Committee <ul><li>Informational Public Meetings & Advertisement </li></ul><ul><li>Screening applications for qualified families </li></ul><ul><li>Interviewing qualified families </li></ul><ul><li>Recommending families for approval to the Habitat Board of Directors </li></ul>
Family Benefits <ul><li>Stable and Safe environment </li></ul><ul><li>Pride and dignity of being homeowners </li></ul><ul><li>Educational and job prospects increase </li></ul>
Family Selection <ul><li>Need - Inadequate housing and/or 50% of income </li></ul><ul><li>Willingness to Partner - 500 hours “Sweat Equity” and Homeowner classes </li></ul><ul><li>Ability to Repay - Steady source of income & Credit History </li></ul>
Sweat Equity Hours <ul><li>TOTAL: 500 Hours </li></ul><ul><li>100 Construction </li></ul><ul><li>250 Family & Friends </li></ul><ul><li>50 Before assigned a home </li></ul><ul><li>Homeownership Course </li></ul><ul><li>Other Volunteer Opportunities </li></ul>
Mortgage <ul><li>Will be the amount of the building cost, not counting land </li></ul><ul><li>Two Deeds of Trust </li></ul><ul><ul><li>1 st Deed is for building cost </li></ul></ul><ul><ul><li>2 nd Deed is the difference between the appraised value and cost (silent & forgivable) </li></ul></ul><ul><li>Land Trust with Saratoga Community Housing </li></ul>
Responsibility of Applicant <ul><li>Provide accurate financial and personal information </li></ul><ul><li>Complete required Sweat Equity Hours </li></ul><ul><li>Maintenance and upkeep of house and property </li></ul><ul><li>Make payments, pay utilities, taxes and insurance </li></ul><ul><li>Help plan and participate in the dedication & groundbreaking ceremonies </li></ul><ul><li>Release Form (See page 7 of packet) </li></ul><ul><li>Washington State Patrol Criminal History Information </li></ul>
Application 1 – Applicant & Co Applicant 2 - OFFICE USE ONLY 3 – Willingness to partner 4 – Present housing condition 5 & 6 – Current property information 7 – Employment information about applicant (and co-applicant)
Next Step 8-Base Employment Income 9 – TANF, AFDC, Food Stamps, Social Security, SSI, Disability 10 – Alimony, Child Support, Other 11 – Self-employed 12 – Monthly Bills 13 – Additional Income 14 – Down payment & closing cost 15 - Assets
Application 16 – Debt 17 – Declarations 18 – SIGNATURE 19 – Additional Space 20 – Information for government monitoring purposes
Next Step <ul><li>Interview: </li></ul><ul><li>May 18-May 25 </li></ul><ul><li>Paperwork Deadline: </li></ul><ul><li>May 31, 2011 by 4pm </li></ul><ul><li>Home Visit: </li></ul><ul><li>June 13-June 17 </li></ul><ul><li>Credit Counseling: </li></ul><ul><li>June 13 – June 17 </li></ul><ul><li>Questions? </li></ul>