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Applicants must meet the following criteria to qualify for Habitat for Humanity housing program:<\/span><\/p>\n Need<\/span><\/strong>\u00a0 (1) You\/Your family must currently be living in substandard or poverty housing: e.g.-structural problems (leaky roof, unsafe<\/span>\u00a0flooring. etc<\/span>, inadequate electrical, plumbing or heating systems, unhealthy conditions, inoperable kitchen or bathroom.<\/span>\u00a0overcrowding three to a bedroom, etc.\u00a0 (2) You\/Y<\/span>our family must be cost-burdened and paying more than 30% of your monthly gross income for rent and utilities. (3) You\/Your family must be living in public housing.\u00a0<\/span><\/p>\n Ability to pay<\/strong>\u00a0–<\/span>\u00a0 If your family is larger than 4 people, a higher income amount is allowed, but cannot exceed 60% of Etowah Co. AMI (Average Median Income).<\/span>\u00a0Your family’s projected\u00a0 mortgage cannot exceed 30% of the mortgagee’s gross income.<\/span>\u00a0All steady sources of income are added to determine your total monthly and annual income: (e.g. salary. SSI, Social<\/span>\u00a0Security. child support. etc.) Your family’s projected mortgage plus long-term debt cannot exceed 43% of mortagee’s gross income.\u00a0<\/span><\/p>\n Willingness to partner<\/strong> –<\/span>\u00a0You\/Your family must complete 300 hours of volunteer sweat-equity by helping to build houses, attending Partnership<\/span>\u00a0Classes & Family Focus meetings on personal finances, budgeting. developing better credit. home & lawn maintenance,<\/span>\u00a0helping with fund raising, office work, etc.\u00a0<\/span><\/p>\n A $600 down payment and first year’s estimated insurance premium ($1,200) are required for a total of $1,800. These payments must begin<\/span>\u00a0upon acceptance and paid over a period of months. Payments must be completed prior to closing on the house.<\/span><\/p>\n You\/Your family must have resided in Etowah County for at least one (1) year.<\/span><\/p>\n <\/p>\n If you wish to apply please fill out Preliminary Screening Form below<\/p>\n