Selection Committee





The Selection Committee considers each applicant based on:  


1)   Need…

a.    You will be considered for a Habitat home if your present housing is not adequate, and if you are unable to obtain adequate housing through other conventional means.  Lack of adequate housing may include problems with the present structure: water, electrical, sewage service system, heating system, or failure to meet city property maintenance standards.  Also taken into consideration are the number, ages, and genders of children compaired to the number of bedrooms in your current home.

b.    The percentage of your monthly income that you currently spend on housing is considered to determine need.  You will be required to openly, and freely, discuss your finacial situation.

c.    You must currently live in Clare County

(Clare, Farwell, Harrison, Lake, Lake George, Leota, Meredith, and Temple)

d.    You and your family will be considered if your total income is not over 60% of the Clare County median family income using 2019 figures.  House holds must have a minumum income of$1200 to $1,300 per month.  Below is the maximum annual income

Family Size

Gross Annual Income

One

$22,800 - $25,680

Two

$26,040 - $29,340

Three

$29,250 - $33,000

Four

$32,520 - $36,660

Five

$35,160 - $39,600

Six

$37,740 - $42,540

Seven

$40,380 - $45,480

Eight

$42,960 - $48,420

 

 2)   Ability to Pay…

Since you will actually be buying your home 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 jepordize 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.  As of January 2017 CCHFH does not offer interest free mortgages.

                             MORTGAGE

                                      +

                           PROPERTY TAX

                                      +

                             INSURANCE

 

  3)   Willingness to Participate as a Partner with Habitat…

a.    When selected you become a “partner family” in the Habitat movement.  To become a “partner family” you must compleate volunteer work with Habitat, which will be count toward your total “sweat equity” contribution to be completed before and after becoming a home owner.  Your assistance in constructing your home and the homes of others is called “sweat equity” and may include clearing the lot, painting, helping with construction, providing food fo volunteers, or working in Habitat fund raisers.  As a partner family, you must complete 200 hours of sweat equity per adult in the home.  Your family can receive credit for some hours by applying time put in on your behalf by friends and relatives who oin in the work.

b.    You will   be responsible for maintenance and repairs of your house from the time you move into your home.

c.    After moving into your home the Family Support Committee will maintain an on-going relationship with you.  This includes financial counseling and household maintenance education.




Clare County Habitat for Humanity is plegded to the letter and spirit of the
U.S. policy for the achievement of equal housing opportunity through out the nation.
We encurage and support an affirmative advertising and marketing program in which
there are no barriers to obtaining housing because of race, color, religion, sex,
handicap, familial status or national origin.

 
Clare County Habitat for Humanity 
3157 N Clare Ave Suite 2 
PO BOX 756 
Harrison, MI  48625
Office - 989-539-2481 
Fax - 989-630-0331