How the Program Works:
With the support of community partners, donors and volunteers, Habitat For Humanity San Bernardino Area constructs new homes alongside Habitat Partner Homebuyers. Our homeownership program is designed to assist low income; first-time homebuyers achieve their dream of homeownership. Habitat homes are sold to partner homebuyers at no profit and financed with affordable loans. In addition to a down payment and monthly mortgage payments, homeowners invest Sweat Equity hours building their future Habitat home and the homes of other Habitat Homebuyers. Interested applicants must submit an application and meet program eligibility requirements.
- Homebuyers must be able to demonstrate they can afford a zero-percent interest or zero-percent interest equivalent mortgage loan and a small down payment
- Homebuyers must fall within program income guidelines. See below for current program income guidelines:
2017 Income Eligibility Guidelines* Number of People in Household 1 2 3 4 5 6 7 8 Minimum Income Limit $13,550 $16,240 $20,420 $24,600 $28,780 $32,960 $37,140 $41,320 Maximum Income Limit (80% Median Income) $36,150 $41,300 $46,450 $51,600 $55,750 $59,900 $64,000 $68,150
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*NOTE INCOME GUIDELINES ARE SUBJECT TO CHANGE PER THE DEPARTMENT OF HOUSING AND DEVELOPMENT (HUD) AND VARY PER DEVELOPMENT
- Homebuyers must have good credit (no recent bankruptcies, collections, liens or judgments)
- Homebuyers must be able to make a small down payment
- Homebuyers must demonstrate a need for decent and affordable housing
- Homebuyers must be willing to partner with Habitat San Bernardino by completing the following:
- 500 Sweat Equity hours
- A HUD-certified pre-purchase homebuyer education workshop
- Habitat San Bernardino’s, Family Investment Education Program
- All household members must be a U.S. Citizen or Permanent Legal Resident
Habitat for Humanity San Bernardino provides equal housing opportunities for all, and ensures fair and equal access to its programs and services regardless of race, color, religion, gender, national origin, familial status, disability, marital status, age, ancestry, sexual orientation, source of income, or other characteristics protected by law. Veterans and Military Household designation is permissible under the Fair Housing Act, so long as the restriction does not operate to exclude a class protected by the Act. Thus, the housing must be offered to any qualified veteran or military household, regardless of race, color, national origin, religion, sex, disability or familial status. 42 U.S.C. 3601-19
For more information contact Homeowner Relations Department at (909)478-1176 or send an email to firstname.lastname@example.org. We hope to partner with you soon.
Classes are currently closed, but will be offered again in mid-2017.
For more information contact Judi Dennistoun at: email@example.com or (909) 478-1176