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  • 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.

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  • Information for Government Monitoring Purposes

    The following information is requested by the Federal government for loans related to the purchase of homes, in order to monitor the lender's compliance with the equal credit opportunity and fair housing laws. You are not required to provide this information, but are encouraged to do so. The law provides that a lender may neither discriminate on the basis of this information, nor on whether you choose to furnish it or not.
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  • 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.
  • 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.
  • 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.
  • 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.
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