Habitat Hernando

Would you like to live in a simple, decent, affordable home?

HABITAT FOR HUMANITY OF HERNANDO COUNTY WILL ACCEPT AN APPLICATION FROM YOU IF YOU MEET THE FOLLOWING REQUIREMENTS.

+ You are currently living in sub-standard, crowded or temporary housing, or your income to housing cost ratio is more than 30%. Housing cost is the total of your rent, taxes, insurance costs divided by your monthly income.

+ You can’t get a government or bank loan.

+ You have sufficient income to repay the Habitat NO INTEREST mortgage.

+ You agree to partner with Habitat for Humanity.

+ You currently live or work in Hernando County.

+ You are not on parole or probation.

+ You are not a registered sex offender, sexual predator or convicted drug dealer.

+ Your long term debt to Income ratio is not more than 40%. Long term debt is debt that will take more than 10 months to pay off. The percentage is determined by dividing you income into your total long term debt.

+ You meet the financial requirements .

General Financial Requirement

Family Size    Low              High

1 person        14,236          30,220

2 persons      15,986          31,970

3 persons      17,786          33,770

4 persons      19,536          35,520

5 persons      20,936          36,970

6 persons      22,386          38,370

7 persons      23,786          39,820

8 persons      25,236          41,220

Habitat follows HUD Equal Housing non-discrimination guidelines.

Applicants who feel they qualify will be given an appointment to come in and sit down with a counselor to fill out an application to continue in the process.

When you are given an appointment you will need to provide the following documents:

+ Picture I.D.

+ A credit report for the
applicant and co-applicant.

+ Proof of income; W-2, pay
stub, etc.

+ Social Security number

+ Proof of SSI or disability
payments if applicable.

+ Proof of debts; credit card bills,
loan balance(s), cell phone bill.

+ Copy of checking and/or savings
accounts if applicable.

+ Name and address of landlord.

+ Name and address of employer.

+ Proof of American Citizenship or
Alien Green Card.