AAHFH Partnership Application

Albany Area Habitat For Humanity Home Owner Partnership Application
Thank you for choosing to apply for Albany Area's Habitat for Humanity Home Owner Partnership Program.

Before you begin this application please prepare yourself for the following:

1. This application could take up to 1-2 hours complete, depending on your household situation.

2. You will be required to complete three "essay" questions regarding your famliy story, willingness to partner and ability to pay an affordable mortgage.

3. You will be required to upload several verification documents. These include: 6 months of pay stubs, 3 months of bank statements, 3 months of utility bills, 2 years of tax returns. Depending on your situation, you may be asked to supply verification of foreclosure or bankruptcy.

4. You will not be able to "Save" and return to your application at a later time. You will have an opportunity to preview your responses to ensure accuracy.

Please review our Equal Credit Opportunity Act Notice
En Espanol
By Signing Below, you acknowledge that you have read and understand AAHFH's Equal Credit Opportunity Act Notice. Please use your cursor or mouse to sign.*
As the CO-APPLICANT, By Signing Below, you acknowledge that you have read and understand AAHFH's Equal Credit Opportunity Act Notice; If there is no Co-applicant, please mark N/A.*
Privacy Statement
En Espanol
By Signing Below, you acknowledge that you have read and understand AAHFH's Privacy Statement and Notice*
AS THE CO-APPLICANT: By Signing Below, you acknowledge that you have read and understand AAHFH's Privacy Statement and Notice; if there is no co-applicant, please mark N/A*

Date*

MonthDayYear
Date
Name*

First NameLast Name
Applicant Date of Birth*

MonthDayYear
Date
Social Security Number*
Applicant Marital Status*
Applicant Resident Status*
Applicant Address*

Street Address

Street Address Line 2

CityState / Province

Postal / Zip Code
Applicant Email*
example@example.com
Applicant Phone Number*

Area CodePhone Number
Number in Household, including yourself*
Name*

First NameLast Name
Age*
Relationship*
Employed*
Student*
Disabled*
Name*

First NameLast Name
Age*
Relationship*
Employed*
Student*
Disabled*
Name*

First NameLast Name
Age*
Relationship*
Employed*
Student*
Disabled*
Name*

First NameLast Name
Age*
Relationship*
Employed*
Student*
Disabled*
Name*

First NameLast Name
Age*
Relationship*
Employed*
Student*
Disabled*
Name*

First NameLast Name
Age*
Relationship*
Employed*
Student*
Disabled*
Name*

First NameLast Name
Age*
Relationship*
Employed*
Student*
Disabled*
Name*

First NameLast Name
Age*
Relationship*
Employed*
Student*
Disabled*
Name*

First NameLast Name
Age*
Relationship*
Employed*
Student*
Disabled*
Name*

First NameLast Name
Age*
Relationship*
Employed*
Student*
Disabled*

What is your current housing situation?*
How much is your monthly rental/mortgage payment?*
Current number of bedrooms in your residence*
Other rooms in your residence (check all that apply)*

KitchenBathroomLiving RoomOther

No Expense, or included in Rent

Yes
Have you resided at your current address for 2 years or more?*

YesNo
Address of where you resided previously*

Street Address

Street Address Line 2

CityState / Province

Postal / Zip Code
How long have you resided at this address?*

:YearMonths
Did you own or rent your last residence?*
What is your primary source of income?*
Applicant's Current Employer*
City of Employment*
State of Employment*
Job Title*
Supervisor Name*
Employment Phone Number*

Area CodePhone Number
Hire Date*

MonthDayYear
Date
Gross Monthly Income*
Have you worked for this employer for at least two years?*
Applicant's Previouse Employer*
City of Employment*
State of Employment*
Job Title*
Supervisor Name*
Supervisor Pone Number*

Area CodePhone Number
Hire Date*

MonthDayYear
Date
Gross Monthly Income*
Do you have a co-applicant?*
Co-Applicant Name*

First NameLast Name
Co-Applicant Social Security Number*
Co-Applicant Date of Birth*

MonthDayYear
Date
Co-Applicant Marital Status*
Co-Applicant Resident Status*
What is your co-applicant's primary source of income?*
Applicant's Current Employer*
City of Employment*
State of Employment*
Job Title*
Supervisor Name*
Supervisor Phone Number*

Area CodePhone Number
Hire Date*

MonthDayYear
Date
Gross Monthly Income*
Have you worked for this employer for at least two years?*
Co-Applicant's Previouse Employer*
City of Employment*
State of Employment*
Job Title*
Supervisor Name*
Supervisor Pone Number*

Area CodePhone Number
Hire Date*

MonthDayYear
Date
Gross Monthly Income*

	Amount
Water
Electricity
Gas
Garbage

If other adults, including children over 18, who will be living with you in the Habitat Home are currently employment, you must include their employment information below. Are there other adults who are currently employed in your household?*
Adult's Full Name*

First NameLast Name
Adult's Current Employer*
City of Employment*
State of Employment*
Job Title*
Supervisor Name*
Supervisor Phone Number*

Area CodePhone Number
Hire Date*

MonthDayYear
Date
Gross Monthly Income*

Does your household receive any other income besides and/or in place of employment?*

Please indicate the monthly amount of expenses for each applicable household member*

	Applicant	Co-Applicant	Adult Non-Dependent
Rent
Insurance
Child Care
Internet
Cell Phone
Land Line
Union Dues
Alimony
Child Support

Please indicate the monthly amount of debt for each applicable household member

	Applicant	Co-Applicant	Adult Non-Dependent
Car
Credit Card #1
Credit Card #2
Credit Card #3
Total Medical
Furniture, TV, Appliances

Do you have any student loans?

YesNo
Please indicate what state they are in

CurrentDeferralForebearanceDefault

Are you or any other applicant(s) currently in collections?

YesNo

No monthly debt

Yes

To be considered for a Habitat home, you and your family must be willing to complete 500 "sweat equity" hours. Sweat Equity hours are hours you volunteer with Albany Area Habitat for Humanity and may include: construction on your home and participating in home ownership classes. If you are unable to do physical labor, we will accommodate you. Please indicate below is you are willing to complete the required sweat equity hours*
If accepted, you will be required to save $1,000 toward closing costs on your home. Please indicate below is you are willing to save the required $1,000.*
Are you or your co-applicant a Veteran or currently serving in the US Armed Forces?*
Have been declared bankrupt within the past seven years? If yes, you will need to provide documentation.*
Have you had property foreclosed on in the past seven years? If yes, you will need to provide documentation.*
Are you currently involved in a lawsuit? If yes, you will need to provide documentation.*
Do you have any past or pending criminal convictions? If yes, you will need to provide documentation.*
Do you own land, or other real estate property? If yes, you will need to provide documentation.*
Do you own any additional assets (savings and investment accounts, jewelry, stocks, bonds, etc;)? If yes, you will need to provide documentation.*

Have you attended a Habitat Information Session and/or viewed the webinar online?*
Date attended/viewed*

MonthDayYear
Date
Have you completed the online intake form?*
Date completed*

MonthDayYear
Date
Have you applied for a Habitat home in the past?*
What year(s) did you apply?*

Family Story

Please use the text box below to describe why you are applying to Habitat for Humanity. Why do you want to own a home? What are your current living conditions? Why is home ownership important to you and your family? Please tell us anything about yourself and your situation, which will help us understand your need for housing as well as, your willingness and desire to work with us.
Family Story*
Ability to Partner: Sweat Equity

Each household is required to provide 500 hours of sweat equity; 200 of the hours are provided by each adult in the household. So, if you are a one adult household, 300 hours can be donated by family, friends, or volunteers you meet while in the program. If you a two adult household, each adult must provide 200 hours of sweat equity, leaving 100 to be donated. Think about whether or not you have support from family, friends, co-workers, etc., who can provide babysitting or donated hours. Sweat Equity includes working at the construction site, the ReStore, attending meetings, classes and more. Do you have adequate transportation? Will the sweat equity be too demanding considering your other commitments? Are you at a point in your life where you can take on this challenge? If so, please use the text below to describe how you feel you will be able to complete the required sweat equity hours.
Sweat Equity Applicant*
Sweat Equity Co-Applicant; If you do not have a co-applicant, please type N/A.*
Paying the Mortgage

Please describe how you will maintain the necessary income level to pay the mortgage on your new home. If you are applying with a co-applicant, please take a moment to consider the possibility that the co-applicant may not finish the program, or continue to contribute to the mortgage due to divorce, death or other circumstances. Are you prepared to pay the mortgage yourself? If you do not currently have the job skills you need, are you seeking education and training to gain the necessary skills? Do you have financial resources, like a separate savings or checking account, which you can use in a financial emergency? Do you have good credit, or are you working on repairing and improving your credit? Please use the spaces below to describe how you plan on maintaining the necessary income level to pay the mortgage.
Paying the Mortgage: Applicant*
Paying the Mortgage: Co-Applicant. If you do not have a co-applicant, please type "N/A"*

References

A total of three reference forms should be submitted with this application. 1. Landlord: If you don't have a current landlord and are staying with friends/family, they can fill this out as the "landlord." 2. Personal Reference: This form should be completed by a friend, co-worker, supervisor, teacher, minister, or other person loosely connect to your family. Letters from relatives are NOT acceptable. 3. Neighbor Reference Form: This should be completed by a current neighbor, however if this is not possible, you may get a second "personal reference" as described in #2 above. Please download and print these reference forms and give it to each of your references. Your reference should complete the form, seal it in an envelope, and sign his or her name across the seal on the outside of the envelope. You can return these to our office, or have the reference mail them. If you cannot print the forms, please come by our office to pick up paper copies.

Verification Documents

In order to complete your application, we will need the following documents to verify income, employment, Identity, Credit Score and current debt. Some of these items will not apply to you. If you are unable to upload the required documents, you can drop them off at our office. However, we must receive them by the close of the open application period. If you are unable to scan these documents, you can take a picture of them and upload the jpeg. file.
Six most recent pay stubs for each current jobs held by all working adults in the household. If an employer pays once a week, you must submit twelve most recent pay stubs for that employer.

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2015 and 2016 Tax Returns for each working adult

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Documentation of other income sources for each adult (e.g. SSI, TANF, VA Benefits)

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Copies of three months of bank statements for each bank account held by the Applicant or Co-Applicant

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Copies of three months of all utility statements. If your utility statements are included in your rent, copies of the last three rent payments (unless theses are automatically withdrawn from your bank account).

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Copy of driver's license or other government issued ID for the Applicant and Co-Applicant

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Copy of Birth Certificate (if US citizen) or green card, passport issued by the US, or permanent work visa for the Applicant and Co-Applicant

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If you have not met with Willamette Neighborhood Housing Services, please upload your recent credit report.

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If your credit score is less than 620 and you have not met with Willamette Neighborhood Housing Services, please upload any classes, dates of enrollment and/or certificates of completion that you have taken, and/or other verification to show what steps you are taking to improve your credit score.

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Copies of Bankruptcy Documentation, if applicable

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Copies of Foreclosure Documents, if applicable

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Copies of Pending Lawsuit Documents, if applicable

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Copies of Asset Documents, if applicable

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By signing below, you are confirming that the information that you have provided is true and accurate to the best of your knowledge. Please use your cursor or mouse to provide a signature.*
CO-APPLICANT: By signing below, you are confirming that the information that you have provided is true and accurate to the best of your knowledge. Please use your cursor or mouse to provide a signature.*
Should be Empty:

	Monthly payment	Total in Forbearance/Deferral	Total in Default
Applicant
Co-Applicant
Adult Non-dependent

	American Indian	Alaska Native	Native Hawaiian or Pacific Islander	Black/African American	Asian
Applicant
Co-Applicant

	Female	Male	Non-Binary
Applicant
Co-Applicant

	Married	Seperated	Unmarried
Applicant
Co-Applicant

	Applicant	Co-Applicant	Dependents (total)	Adult Non-Dependent
Social Security
SSI/SSDI
VA
TANF
Alimony
Child Support
Disability
Section 8

	Hispanic or Latino	Non-Hispanic or Latino
Applicant
Co-Applicant

Albany Area Habitat For Humanity Home Owner Partnership Application

Information for Government Monitoring Purposes

Family Story

Ability to Partner: Sweat Equity

Paying the Mortgage

References

Verification Documents