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About Us |  |
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- You will be considered for a Habitat home if your present housing is not adequate. Lack of adequate housing may include problems with the present structure; water, electrical or sewage service systems; or heating system. Homelessness and overcrowding are other factors Habitat considers when determining a family's need for housing.
- The percentage of your monthly income that you currently spend on housing is also considered when determining need. You will be required to openly and fully discuss your financial situation with Habitat Interviewers.
- You and your family will be considered if your annual total income is between 30-60% of the median income for Wichita Falls.
| Year 2008 Guidelines | ||
| Family Size | 25% Median | 60% Median |
| One | $8,791 | $21,100 |
| Two | $10,083 | $24,200 |
| Three | $11,333 | $27,200 |
| Four | $12,583 | $30,200 |
| Five | $13,583 | $32,600 |
| Six | $14,583 | $35,000 |
Ability to Pay
Since you will actually be buying your house from Habitat, you must demonstrate your ability to pay the monthly mortgage payment. This payment will include not only the mortgage payment, but the payment for real estate taxes and insurance. We will help you to determine if this payment will jeopardize your ability to meet all your other family financial obligations and expenses. We can also help you if you need to develop a budget to determine your eligibility. The family will be expected to save a down payment of $200.
Requirements:
Willingness to Participate as a Partner with Habitat
- When selected, you become a "partner family". As a partner family you will be responsible for 300 hours of sweat equity. This sweat equity may be accomplished in construction of your house and the houses of others and may include clearing the lot, painting, helping with construction, providing food for volunteers, working in the Habitat office and attending Homeownership Classes. The family can receive up to 100 hours credit for the sweat-equity hours put in by friends and relatives who join in the work.
- You will be responsible for maintenance and repairs of your house from the time you sign the mortgage.