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To
download an application, click here.
To
request more information or that an
application be mailed to you, click here.
Copper
Country Habitat for Humanity builds homes
and sells them at no profit and no
interest to local families who cannot
otherwise afford adequate housing.
To be selected as a Habitat homeowner, you
must first fill out an application and meet
the following guidelines:
- You
must submit an application.
- You
must have a housing need. This includes
houses with overcrowded living space,
severe structural problems, or unsafe or
unsanitary conditions.
- Your
annual household income should not exceed
60% of the median income for the county
but must be sufficient to make a monthly
mortgage payment. For example, for a
family of four, 60% of the median income
is $31,020. This figure will be greater
for larger households and less if there
are fewer than four people. Mortgage
payments will be at least 22% of your
monthly income.
- You
must be willing to allow Habitat to verify
employment and other income, to verify
checking and savings balances, to run a
credit check, to ask for references, and
to interview you in your current home.
- You
must work 200 hours of “sweat equity” for
each adult in the household. Up to 25% of
the hours may be completed by designated
friends or relatives. Sweat equity
may include construction, helping the
organization with fund-raising and
publicity, office tasks, or any hands-on
involvement with Habitat.
- You
will be required to attend financial
management counseling.
- You
will need to make a down payment of at
$350 prior to the start of construction,
and you will be responsible for closing
costs and mortgage payments. Since Habitat
homes are built primarily with volunteer
labor, costs are kept as low as possible
to keep mortgage payments affordable.
If
you think that you meet these guidelines, you
can begin by completing the enclosed
application and returning it to Copper Country
Habitat for Humanity, P.O. 231, Houghton MI
49931 or dropping it off at Gloria Dei
Lutheran Church, 1000 Quincy Street, Hancock.
Applications are accepted year-round.
If you have any questions or need
help filling out the application, please call
the Habitat office (482-5376).
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