Read the information below, and if you feel you qualify, and are willing to work with us,
call our office at 607-432-7874 and leave your NAME (spell it out for the answering machine)
and PHONE NUMBER, and a Family Selection Committee person will get back to you in a few days.
FAMILY SELECTION CRITERIA
Habitat for Humanity of Otsego County is an ecumenical
grassroots Christian Ministry with the goal of eliminating
Habitat volunteers and family partners are not screened by race, ethnic origin,
religion, marital or family status.
Habitat Partner Families are chosen on the basis of need, ability to
pay and their willingness to actively engage in partnerships.
I. ACTUAL NEED
Since we cannot help everyone,
we are looking to help those who need it the most.
This means families who are living in conditions
which are considered unsafe, crowded or otherwise
unlivable; and families who cannot afford a regular
A. Living in substandard housing
1. Structurally substandard
The home the family is living in would not pass Federal Section 8 standards -
inadequate wiring, plumbing, heat insulation, energy efficiency, unsafe conditions
or is functionally inadequate.
2. Inadequate space
Living area or bedrooms are insufficient for the family. Sufficiency of bedrooms
is determined by the number of persons in the household, ages and sex of the
3. Unable to secure conventional financing of a mortgage.
Bank criteria state that the mortgage may not exceed 26% of gross monthly income
and the applicants total income. Down payments range from 5% to 20%. Home buyers
must also have sufficient cash to pay closing costs.
not a gift. The families we choose are called "Partner
they will have an active role in acquiring their own house:
They pay a mortgage (although much less
than a standard bank mortgage), and minimal closing costs,
plus donate hours of labor (physical work on the house
or other work on committees) toward the construction of
their own or other partner families homes.
The cost of
a Habitat House in Otsego County averages about $85,000
to $90,000 which translates (with escrow for taxes and
insurance) to monthly payments of about $575 to $650 for
about 30 years. While partner families pay for land and materials,
most of the labor is donated by our
volunteers, so our home costs are minimal.
As each partner family makes its mortgage
payments to Habitat, we buy land, supplies and materials
to build more homes. No interest is charged on these mortgage
We must choose families who can afford these payments,
or the family will lose the house for inability to pay
and we don't want to see this happen.
II. ABILITY TO PAY
must be at least 4
times the expected housing costs (mortgage,
Income may not exceed 6 times expected housing
The family must be able to pay a minimum of 1% of
the value of the house as a down payment.
Total indebtedness may not exceed 38% of gross monthly
B. Target Income. - Family income should fall
between 35% and 65% of the median income for Otsego
Range- HFH Otsego County, New York State
HUD FY2013 Income Limits in Otsego County, NY)
# Persons in Family
C.Credit history will be considered
but will not be the deciding factor.
D.Employment history: family must show
evidence of employment or stable income source.
Each partner family will work on their own house
and houses for other families, thereby giving to
others the help they've gotten themselves.
TO PARTNER WITH HABITAT
must agree to assist in the construction of their
(and others') house. Required participation for
two adults in household is 500 hours. "Sweat Equity" policy
addresses single adult household heads and those
with physical impairments. A proportionate number
of hours will be required of families whose homes
B.Families are encouraged to contribute to the work of Habitat. This
may include money, labor, participation on committees, special events,
To apply - Email,
write, or call Peggy at the office (432-7874) and she will give your information
to a Family Selection Committee member who will call and speak with you
about the process.