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  • Susquehanna Habitat for Humanity

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Homeownership Program

2018 Orientation Dates

Orientations located in Harford County

Located at: Habitat Susquehanna 205 S. Hays Street, Bel Air

Daytime Orientations 10am - 11am:  Wednesday August 8, and October 10. 

Evening Orientations 7pm - 8pm:  Wednesday August 8, September 12, October 10, and November 14. 

Orientations located in Cecil County

Located at: Perryville Town Hall 515 Broad Street, Perryville

Evening Orientations 6pm - 7pm:  Thursday October 11.

Click here for details about our next Applicant Orientation Meeting.

 

To attend, please click on and fill out the interest form below.

 


"I thank God for what Habitat has shown me: TRUE LOVE!"

~ homeowner Alberto Barnes

All Habitat homeowners go through a rigorous application process, put in at least 250 hours of volunteer work and take financial literacy classes all for the chance to pay back their own low to no interest mortgage.

Habitat for Humanity Susquehanna relies on financial and in-kind support to continue our mission of helping low-income families maintain their homes and/or become homeowners. Currently only 4% of our building materials are donated, the remaining 96% are purchased through financial donations.  Your financial support to Habitat for Humanity Susquehanna keeps your charity dollars local.  Local giving is a win win for us all, improving our neighborhoods and home values through home ownership.

 

How can I apply for a Habitat house?

To be considered as a potential homeowner partnering with Habitat, you must apply to the program interest form and attend an applicant orientation meeting. Please call the Family Services Coordinator, Yvette Valentin, at 410-638-4434 ext. 1 or  yvalentin@habitatsusq.org for details and to reserve a spot at an upcoming meeting.

All homeowners must volunteer for Habitat Susquehanna as a part of their commitment to the program. Please go to the Volunteer page on this website to register. Contact Brianne Young, Volunteer Coordinator, at 410-638-4434, ext. 4 or byoung@habitatsusq.org with questions.

Eligibility Criteria for the Homeownership Program  

1.  HOUSING NEED

Qualified applicants that demonstrate the greatest need for a Habitat house will be selected. Examples of need include, but are not limited to: structural problems, inadequate living space, safety, and stability. Need is determined by home visits.

2.  ABILITY TO PAY

To qualify financially, the income of an applicant cannot be below $19,888 to afford a Habitat mortgage or exceed the highest income listed:

Effective 6/1/2018

1 Person

2 Person

3 Person

4 Person

5 Person

6 Person

7 Person

8 Person

Cecil County

$48,950

$55,950

$62,950

$69,900

$75,500

$81,100

$86,700

$92,300

Harford County

$50,350

$57,550

$64,750

$71,900

$77,700

$83,450

$89,200

$94,950

3.  WILLINGNESS TO PARTNER

Current employment, bank accounts, credit reports and landlord references will be checked to verify the applicant(s) ability to pay the monthly mortgage payment.  The mortgage payment will be used to build future Habitat for Humanity Susquehanna homes.

Timeliness, understanding, and eagerness are necessary to partner with Habitat for Humanity Susquehanna.
Must complete the required Sweat Equity hours as follows:
            -   Single-Applicant family 250 total sweat equity hours required
            -   Two-Applicant family 500 total sweat equity hours required 
Sweat Equity is the actual hands-on physical involvement of partner families.  Sweat equity hours are not monetary contributions toward their home, but required volunteer hours.
Examples of Sweat Equity : Construction of Habitat homes, classes in homeowner education and budgeting, office assistance, preparing or serving food to volunteers, school grades of applicants and children, self-development, community development, etc.

4.  OTHER REQUIREMENTS

Residency: ​Applicant(s) must live in Cecil or Harford County for at least one year prior to their application and be a permanent legal resident of the United States OR a United States citizen.

First-Time Homebuyer:​​ In order to qualify as a first-time homebuyer, an applicant and his/her spouse cannot have owned or held title to a home in the last 3-years.  For questions or more clarity on this point, please contact Yvette Valentin at 410-638-4434 x 1.

Financial Literacy Classes  

(Open to the public - all are welcome!)

APG Federal Credit Union will be conducting FREE financial workshops at their Home Loan Center in Bel Air. Click here to view the schedule.

Reservations are required: contact Dee Barretto at 410-612-2361 or at workshopRSVP@apgfcu.com 

 

Home Maintenance Classes​  

Open to the public - all are welcome! 

Held at our Aberdeen ReStore located at 1013 Beards Hill Road in Aberdeen.

Next Class will be held September 26th at 5:00pm - have a great summer! 

Click here for more information.

 

Habitat for Humanity Susquehanna does not discriminate against any applicant because of age, race, color, religion, sex, sexual orientation, handicap, familial status, or national origin.

equal_housing_opp.gif

Habitat for Humanity Susquehanna is a mortgage lender NMLS #1439405.

 

 

Follow Us

Habitat Susquehanna Restore

1013 Beards Hill Road
Aberdeen, MD 21001
United States
Phone: (443) 567-7698
Store hours: 
Tuesday:9:00 am-4:00 pm 
Wednesday - Friday:10:00 am-6:00 pm 
Saturday:9:00 am-4:00 pm 
Donation hours: 
Tuesday:9:00 am-3:00 pm 
Wednesday - Friday:10:00 am-5:00 pm 
Saturday:9:00 am-3:00 pm

Click to Shop, Donate, or Volunteer at the Habitat Susquehanna ReStore! 

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