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Own Your Own Habitat Home
Idaho Panhandle Habitat for Humanity is currently accepting applications for the 2018 Habitat home. IPHFH builds homes in Bonner County for low to moderate income families in need of decent and affordable housing. Habitat partner families must save for a low down payment, help build the home with sweat equity hours, have a job/income, paid past bills and obligations in a timely and as agreed manner, and will purchase the home, upon completion, from Habitat with a zero interest mortgage, all conditions remaining satisfactory.
Other criteria includes: currently face housing problems, have lived or worked in Bonner County for at least one year; and meet Habitat income guidelines. Partner families will learn about budgeting, home repair and maintenance.
The Habitat of Humanity housing program is based on Christian principles of sharing and self-help. The basic idea is that prospective homeowners build their own homes in partnership with Habitat volunteers and donors.
HOW HABITAT WORKS
1. Apply. Families print and fill out the Application below, which is forwarded to Habitat’s Family Selection Committee. Also print, fill out and send in the Authorization for Credit/Background Check along with your payment for the Credit/Background Check.
2. Home Visit. When it is time to select a new family, members of the Family Selection Committee make a home visit to each family.
3. Selection. After home visits with applicants are completed, the Family Selection Committee selects one family to be the prospective Habitat homeowner family.
4. House Construction. Members of the selected family begin contributing sweat equity hours, first on other Habitat projects, and then on their home-to-be. They must complete 500 sweat equity hours to be eligible for the new home. They must also take a budgeting course, and establishing savings of $500 for house closing payment. It is generally about 18 months between selection of the family and the family moving into the completed house.
5. House Closing. The family signs an agreement to make regular monthly payments for 20 years, after which they become full owners of the house. Required monthly payments vary depending on each house’s costs, but tend to be under $550.
HABITAT FOR HUMANITY PRINCIPLES
1. All work done by a local Habitat project demonstrates the love of God in Jesus Christ to meet the housing needs of God’s people.
2. Habitat depends entirely on the generosity of its donors and volunteers. No government funds are involved.
3. Each homeowner family has two “sponsors,” volunteers from the Family Selection Committee who work with the family to explain requirements, answer questions, arrange work schedules, give help with personal problems, and ensure that the family meets work, savings and house payment requirements.
4. The local Habitat committee is ecumenical, with representatives from interested churches and other members of the community.
5. Homes are built with no profit and no interest on loans.
6. Habitat follows an objective, non-discriminatory selection process in choosing the family.
7. Homes are simple, decent dwellings, built within the ability of the family to repay.
8. Homeowner payments are used to help build more homes for families in need.
9. Each Habitat chapter has its books audited annually. The books are open and available to review.
Completed applications should be mailed to:
Habitat for Humanity
Attn: Sponsor/Selection Committee
PO Box 1191
Sandpoint, ID 83864
Application for Self-Build Housing Opportunity
Authorization for Credit/Background Check
Habitat Info Brochure
For assistance or general information (email) or call (208) 265-5313