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  • Susquehanna Habitat for Humanity

    Habitat's vision:

    a world where everyone has a decent place to live. Donate today!

Homeownership Program

2017 Orientation Dates

Daytime Orientations: Wednesdays August 9, and November 8. 

Evening Orientations: Wednesdays August 9, September 13, October 11, and November 8. 

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. 6 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: 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 4/11/2017

1 Person

2 Person

3 Person

4 Person

5 Person

6 Person

7 Person

8 Person

Cecil County

$46,600

$53,250

$59,900

$66,550

$71,900

$77,200

$82,550

$87,850

Harford County

$47,600

$54,400

$61,200

$68,000

$73,450

$78,900

$84,350

$89,800

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.  RESIDENCY REQUIREMENT

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.

If interested, please contact the Habitat for Humanity Susquehanna office to receive information to apply. 

Habitat for Humanity Susquehanna
205 Hays Street
Bel Air, MD 21014-0608
Phone: 410-638-4434
Fax: 410-420-8843
Website: www.habitatsusq.org

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.

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