1. Partnership Information Meeting Habitat for Humanity of Cass & Schuyler Counties, Inc. Photo by Kim MacDonald

2. 5/24/20152 What is Habitat for Humanity? Habitat for Humanity is an ecumenical Christian housing ministry dedicated to selling affordable houses to qualified applicant families. Photo by Kim MacDonald

3. 5/24/2015 Habitat for Humanity of Cass & Schuyler Counties, Inc.3 Partnership is the key to Habitat for Humanity Who are the partners? Individuals Churches Civic Groups Local businesses Corporations United Way Homeowners EVERYONE is considered a partner. Photo by Ki MacDonald Brigitt Boyce Home Dedication

4. 5/24/2015 Habitat for Humanity of Cass & Schuyler Counties, Inc.4 Why is homeownership valued? A home provides a place for a family to be established. A home can provide safety, security, stability and hope for the future. In our community, we feel there is a need for decent, affordable and adequate housing.

5. 5/24/2015 Habitat for Humanity of Cass & Schuyler Counties, Inc.5 Owning a home means… Joys Having a place to call your own. Not having to move. Building equity in a home. Photo by Erin Hooper

6. Owning a home also means…. Responsibilities Taking responsibility for the: Mortgage Insurance Real Estate Taxes Maintenance of the home Utilities 5/24/2015 Habitat for Humanity of Cass & Schuyler Counties, Inc.6

7. 5/24/2015 Habitat for Humanity of Cass & Schuyler Counties, Inc.7 You can have those joys (and responsibilities) Habitat for Humanity provides: An affordable house – Habitat for Humanity makes no profit. Habitat houses are simple, decent and affordable. An affordable mortgage - Habitat for Humanity charges no interest.

8. 5/24/20158 Sample House Plan – this will vary with the family’s needs

9. 5/24/2015 Habitat for Humanity of Cass & Schuyler Counties, Inc.9 House design standards Total square feet of houses is determined by family’s need and affordability. Usually around 1,000 square feet. Garages, car ports or basements are not provided. One bathroom with combination one piece bath/shower, vanity and medicine cabinet, possibly a half bath. Kitchen & bath have linoleum, other areas of house are carpeted. Double-hung windows with screens. Front porch with covered front entry. Kitchen cabinets, sink, range hood, countertop. 90+ efficiency furnace/central air conditioning 40 gallon high-efficiency water heater 8’ x 10’ storage shed Habitat for Humanity is not a custom builder. Habitat homes are simple, decent and affordable.

10. 5/24/2015 Habitat for Humanity of Cass & Schuyler Counties, Inc.10 House selling price In recent years our house prices have not exceeded $55,000. The houses typically have a 20-30 year mortgage.

11. 5/24/2015 Habitat for Humanity of Cass & Schuyler Counties, Inc.11 Habitat for Humanity’s Partnership With Selected Applicants Habitat for Humanity will: Build a house in partnership with you. Sell you the house with a no-interest loan. Provide opportunities for you to learn the skills you will need to own and maintain a house. Provide a mentor for you to work with in preparing for home ownership.

12. 5/24/2015 Habitat for Humanity of Cass & Schuyler Counties, Inc.12 How does Habitat for Humanity select families? Families who are selected to buy a home: Must meet selection criteria. Perform sweat-equity hours. Participate in workshops and classes. Pay a $1,000 down payment before moving in.

13. If you own a lot that you would like to build on….. The lot would need to be deeded over to Habitat for Humanity. The family would not have to pay for a lot as part of the house cost. The lot and new house would be considered one piece of property. Be aware that preference is not given to lot owners, and if you are deselected or the house is repossessed by Habitat, the land would be owned by Habitat. The lot must be approved for building by Habitat before the deed is transferred. The lot must also be in a location which allows building single family housing. 5/24/2015 Habitat for Humanity of Cass & Schuyler Counties, Inc.13

14. 5/24/2015 Habitat for Humanity of Cass & Schuyler Counties, Inc.14 How to become a Partner Application process Pre-application Application, credit check and a home visit. Selection criteria Need Ability to pay Willingness to partner

15. Maximum Income Criteria 5/24/2015 Habitat for Humanity of Cass & Schuyler Counties, Inc.15 There is no lower income limit because once the application is received, the assets, liabilities, revenue and expense of the applicant will be evaluated to determine if the family can afford the house. Number of people in family Annual Gross Income Monthly Gross Income 1 $ 23,820 $ 1,985 2 $ 27,180 $ 2,265 3 $ 30,600 $ 2,550 4 $ 33,960 $ 2,830 5 $ 36,720 $ 3,060 6 $ 39,420 $ 3,285 7 $ 42,120 $ 3,510 8 $ 44,880 $ 3,740 effective January, 2012

16. 5/24/2015 Habitat for Humanity of Cass & Schuyler Counties, Inc.16 Steps of partnership for the homeowner Family is selected. Site is secured and home is built. Homeowner pays $1,000 down payment before moving in for closing costs and first year’s insurance. Homeowner works required “sweat equity” hours Homeowner makes monthly payments. Homeowner gains home equity over time.

17. 5/24/2015 Habitat for Humanity of Cass & Schuyler Counties, Inc.17 What is Sweat Equity? Our affiliate requires families to complete 200 sweat-equity hours for each family member over the age of 18, up to a maximum of 400 hours per family. Previous partner families have had no problem putting in the required hours. Photos by Trevor Kobrin, Kim MacDonald and Neal Gallagher

18. 5/24/2015 Habitat for Humanity of Cass & Schuyler Counties, Inc.18 Homeowners’ sweat equity These hours may be earned by:  Assisting with construction.  Attending workshops and seminars  Performing other pre- approved eligible activities Photos by Trevor Kobrin, Kim MacDonald

19. 5/24/2015 Habitat for Humanity of Cass & Schuyler Counties, Inc.19 You may be asking yourself… How many hours a week will I need to commit to working with Habitat for Humanity? Can family members or friends help with this requirement? YES – 40% of the sweat equity hours may be contributed by family and friends who are not affiliated with Habitat.

20. 5/24/2015 Habitat for Humanity of Cass & Schuyler Counties, Inc.20 Typical financial obligations to buy a Habitat for Humanity house One time costs: Down Payment: $1,000 before moving into house, which includes closing costs Utility Deposits: may be transferable Once selected, we will work with the family to create a payment plan to cover these costs before moving in.

21. 5/24/2015 Habitat for Humanity of Cass & Schuyler Counties, Inc.21 Typical financial obligations to buy a Habitat for Humanity house Monthly payments (Estimated): Principal$141 - 191 Taxes$167 - $200 Insurance $42 Total Monthly Amount about $350 - $430 Homeowner is responsible for utilities.

22. 5/24/2015 Habitat for Humanity of Cass & Schuyler Counties, Inc.22 Required Workshops for Homeowners How to maintain your home. Budgeting and financial management. Preparing for the closing of your home. Other required workshops. Workshops Habitat for Humanity requires include:

23. 5/24/2015 Habitat for Humanity of Cass & Schuyler Counties, Inc.23 Habitat for Humanity is committed to partnership with its homeowners The building of each home is done: With friends and family. With community volunteers. With the necessary instruction and help. Photo by Gregg Pachkowski

24. 5/24/2015 Habitat for Humanity of Cass & Schuyler Counties, Inc.24 Are you willing to use your gifts and talents to help build others’ homes and let others help you build yours? Photo by Gregg Pachkowski

25. 5/24/2015 Habitat for Humanity of Cass & Schuyler Counties, Inc.25 Eligibility Our Habitat for Humanity affiliate has a family selection committee that uses three specific selection criteria to determine who is qualified to buy a home with Habitat for Humanity in our community. These criteria were listed earlier. Let’s review them again…

26. 5/24/2015 Habitat for Humanity of Cass & Schuyler Counties, Inc.26 Habitat for Humanity’s three selection criteria: Need Ability to pay Willingness to partner Let’s learn more about these criteria…

27. 5/24/2015 Habitat for Humanity of Cass & Schuyler Counties, Inc.27 Need criteria (examples) Income within Habitat guidelines. Overcrowded living conditions. Substandard living conditions. Paying more than 30% percent of monthly income for housing.

28. 5/24/2015 Habitat for Humanity of Cass & Schuyler Counties, Inc.28 Ability to pay criteria (examples) Debt must not be excessive. No liens or judgments. Consistent payment history. Able to make applicable down payment.

29. 5/24/2015 Habitat for Humanity of Cass & Schuyler Counties, Inc.29 Ability to pay Amount of debt compared to income How much money do you owe? School loans Car loans Credit cards Medical bills Store credit cards or accounts Other miscellaneous bills

30. 5/24/2015 Habitat for Humanity of Cass & Schuyler Counties, Inc.30 Willingness to partner criteria Agreement to complete sweat-equity requirement. Agreement to attend homeowner preparation workshops: How to maintain your home. Budgeting and financial management. Preparing for the closing of your home. Other required workshop topic.

31. 5/24/2015 Habitat for Humanity of Cass & Schuyler Counties, Inc.31 Please know that… We WANT to work with you. If you are not accepted the first time, please apply again! Some families apply more than once before they become qualified. You may not qualify simply because we can only build one house at a time.

32. 5/24/2015 Habitat for Humanity of Cass & Schuyler Counties, Inc.32 Do you have any questions regarding the requirements and criteria for homeownership? Do you have any questions regarding what Habitat for Humanity will offer? If you believe you may qualify, we welcome your application for housing. Let’s discuss the application process…

33. 5/24/2015 Habitat for Humanity of Cass & Schuyler Counties, Inc.33 How to apply Complete the Homeowner Application Form you will be given at this meeting. Be sure to return it, along with copies of your monthly bills by April 15.

34. 5/24/201534 First steps Check that: Your name is on the sign-in sheet. You fill out an application. The application and ALL paperwork is postmarked or delivered by April 15.

35. 5/24/201535 Wait to hear from us… Make sure we can reach you by telephone! If you don’t have a phone, please arrange with someone to relay messages to you!

36. 5/24/201536 Next steps You should hear from us within four weeks after we receive your COMPLETED application. Call First Evangelical Lutheran Church in Beardstown 323-1770 or First United Methodist Church in Rushville at 322-3228 or e-mail habitatcsc@yahoo.com if you have questions.

37. Habitat for Humanity of Cass & Schuyler Counties, Inc. Thank you for your time! [