Homeownership

slideshow_house_handsMission Vision:  A world where everyone has a decent place to live.

Habitat for Humanity of Mariposa County is a strong proponent for safe, decent, affordable housing.  We are a Christian  ministry and we invite all people who share our goals to join in our work.

Families who want to apply for a Habitat for Humanity home must be residents of   Mariposa County for one year before applying. Applications are available at the following locations: Mariposa County Human Services, Mariposa Safe Families, Manna House, and at our offices by appointment beginning Tuesday September 1st. 

 

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To qualify for a Habitat home, you must show the following: 

a)  need (You must be living in substandard housing at the present time.)
b)  willingness to partner with Habitat (You will be required to do “sweat equity” or work on your own home, as you are able, and take training classes to become homeowners.  Our affiliate requires 350 hours of work and training.)
c) ability to pay back a no-interest loan to Habitat  over twenty or thirty years.   (We consider families or individuals who earn 30 – 60% of the median income as determined by HUD for our county.)

Once you have been selected, your home will generally be completed in 6 to 8 months.  Since you will be a homeowner, you will be required to insure your home and pay property taxes.  Your monthly payments to USDA during the time of your mortgage will include an amount for insurance and property taxes.  The total payment may not exceed 30% of your monthly income. 

Habitat has a Family Support Committee to help you during your first year of home-ownership.  In addition, Habitat homeowners are asked to continue their support of Habitat during the years that follow their selection, and, to date, our Habitat families have been happy to do  this.  They have expressed on many occasions what homeownership means to them and their children:  more stability, more feeling of community, and pride of ownership.  HFH of Mariposa County encourages you to apply.   Again, our number is 209 966-7444.

These downloadable Application Documents are available in both pdf or doc file formats:

Application Completion Assistance (pdf)
Application Completion Assistance (doc)

Application Information Form – USDA (pdf)
Application Information Form – USDA (doc)

Criteria for Family Selection – USDA (pdf)
Criteria for Family Selection – USDA (doc)

2020 Income Chart (pdf)
2020 Income Chart (doc)

E-Sign Disclosure Agreement (pdf)
E-Sign Disclosure Agreement (doc)

Habitat Partnership Commitment (pdf)
Habitat Partnership Commitment (doc)

List of Documents to be submitted with the Application – USDA (pdf)
List of Documents to be submitted with the Application – USDA (doc)

Prequalification Inquiry – USDA (pdf)
Prequalification Inquiry – USDA (doc)

Privacy Statement and Notice (pdf)
Privacy Statement and Notice (doc)

Sweat Equity Flow Chart (pdf)
Sweat Equity Flow Chart (rtf)