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Habitat for Humanity-Winona Fillmore Counties seeking a family for home currently under construction in Harmony


Mon, Jun 18th, 2012
Posted in Harmony Home & Garden

Habitat for Humanity-Winona Fillmore Counties is now accepting applications for the home currently under construction in Harmony. To qualify for a Habitat home, the family must currently be living in substandard housing, be unable to obtain a conventional loan from a bank, have the resources to pay a monthly mortgage, and be willing to partner with Habitat. Before moving into a Habitat home, families are asked to contribute a minimum of 300 “sweat-equity” hours, (volunteer time with Habitat).

1) HOUSING NEED

You must have a need for better housing. Current conditions are inadequate because of overcrowding (3 to a bedroom), poor heating, leaking roof, unsafe or unsanitary conditions. Additional indicators of need could also include affordability factors (e.g. paying too much of your monthly family income for rent.) Public housing and Section-8 tenants are welcome to apply.

2) ABILITY TO PAY

Habitat Partner Families must have the ability to make monthly house payments along with paying current debt. Families must be income qualified, fall within 30-60 percent of the median income in Fillmore County. You must be unable to obtain a conventional or government assisted mortgage loan.

The sale of a Habitat house to a Partner Family is financed with a 30-year, no-interest loan that must be repaid. The house payments, including taxes and insurance, cost approximately $500 per month.

3) WILLINGNESS TO PARTNER

Habitat does not build homes for anyone– we build houses with families who are accepted. The work done by the family is called “sweat equity.” Each family must complete a minimum of 300 hours before they can purchase the home and move in. Up to 100 of those hours can be done by family and friends. Several educational training sessions are also required. If approved you will need to provide a $1,700 down payment.

Habitat for Humanity is a nonprofit, ecumenical, grassroots, Christian organization, dedicated to eliminating poverty housing. Habitat partners with homeowner families, the members of the local community, and volunteers to build simple, decent, affordable houses. The houses are sold to those in need at no profit, through no-interest loans.

We are pledged to the letter and spirit of U.S. policy for achievement of equal housing opportunity throughout the nation. We encourage and support an affirmative advertising and marketing program in which there are no barriers to obtaining housing because of race, color, religion, sex, handicap, familiar status or national origin.

All interested people are invited to apply for a home. For an application go online to www.habitatwinonafillmore.org or stop by the Harmony Habitat office at the Harmony Visitor’s Center to pick up an application. For more information, please call the Habitat Fillmore County office at 459-4199. Deadline for applying is July 13, 2012.

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