Homeownership

Enrollment is Closed

Thank you for your interest in applying for a Beaches Habitat for Humanity home.

We are not accepting applications until further notice.

Read on for more information about qualifying for an affordable mortgage.

Every home

is a building block

What We Build

All Beaches Habitat homes are a collaboration between Beaches Habitat, sponsor organizations, future Habitat homeowners and volunteers.

Homes are constructed and/or renovated by volunteers and future homeowners, under the guidance of Beaches Habitat leadership, with assistance from skilled tradespeople and sub-contractors.

Beaches Habitat builds single family homes, duplexes, and townhomes with 3 bedrooms and 2 bathrooms through two methods:

  1. New Home Construction: Beaches Habitat purchases a piece of land and develops it for one or more homes.
  2. Rehabilitated Homes: Beaches Habitat purchases a home on the open market or through a foreclosure or short sale and renovates it.

Application Process

  • Potential applicants are invited to attend an optional informational meeting

  • A completed application, providing required documentation related to income, family status, etc., is submitted for review.

  • Basic requirements, credit and criminal records checks are reviewed

  • The applicant is interviewed to further ensure the applicant understands the Habitat ministry and responsibilities of homeownership. A home visit is also completed.

  • Applicant is presented to the Family Selection Committee for approval.

  • Applicant is notified of a decision. If selected, the future homeowner will begin completing sweat equity requirements

After Selection

Beaches Habitat prepares future homeowners through a series of educational workshops. The mandatory workshops, which contribute to meeting sweat equity requirements, include:

Money Smart

Money Smart is a six week financial series that covers the following topics:

  • being financially responsible,
  • borrowing money,
  • car loans,
  • credit cards,
  • what to do when experiencing financial trouble,
  • dealing with bill collectors,
  • bankruptcy, and
  • building/rebuilding your credit.

Maintenance Workshop/Homeowners Manual

This workshop covers basic plumbing and electrical repairs, such as fixing a running toilet or leaky faucet.

The second portion of this workshop examines the homeowner manual, which includes information about city utilities, filing a homestead exemption, money saving tips for utilities, and a home maintenance guide plus a maintenance calendar

Closing Documents

In the Closing Documents workshop, led by a local realtor, homeowners take an in-depth look at the closing documents. The goal of this workshop is to educate homeowners about the mortgage they will be signing before they arrive at the closing.

Predatory Lending

This workshop informs the homeowners about the scams used by predatory lenders and the consequences involved when they refinance or seek extra money from payday or title loans.

Home Buying Education

This workshop educates an applicant for pre and post purchase of a home. Family Foundations, a HUD certified agency, facilitates this Workshop.

Will Workshop

This workshop gives our homeowners the opportunity to create and notarize the legal documents that are necessary to keep their resources safe with their family/friends. Homeowners complete a will worksheet then work with members from the Family Support Committee to create a basic will using Will Maker software.

Educational Walk-thru

Educational Walk-thrus are done with volunteers from the Family Support Committee. In the walk-thru homeowners learn about the features of their home and are shown how to change the AC filter, how to shut the water off, caring for appliances, etc.

Going Green

This workshop offers helpful tips and practices that can be implemented in the household to save energy.

Homeowners Association

This workshop informs the homeowners about the duties and responsibilities of being an Officer and a Member of a Homeowners Association.

Dare to Decorate Workshop

This workshop gives tips on how to decorate the house on a budget. Also, how to purchase suitable furniture based on the size of the room.

Conflict Resolution Workshop

The goal of this workshop is to define conflict, recognize stages of conflict, understand the different styles of responding to conflict and ways to deal with conflict.

Homeownership Selection Criteria

Beaches resident or place of work

  • Live or work for one year within our service area - see the map

Need

  • Currently living in substandard, overcrowded or unaffordable housing
  • Resident of HUD Section 8 housing

Ability to Pay

  • Based on income and credit check
  • Must have stable income for at least one year

Willingness to Partner

  • Willing to perform sweat equity by helping to build your home and the homes of others
    • Up to 300 hours of sweat equity for each mortgage holder
    • 100 hours of sweat equity for each household members 18 and over
    • Up to 25% of hours may be donated by friends & family
  • Attend workshops
  • Provide information/documents in a timely manner
  • Participate in home visit
  • Agree to live where the affiliate has land
  • Agree to notify the affiliate of household changes
  • Agree to avoid new debt during process

Income Requirements

  • Minimum monthly income for homeowners: $1,400 per month ($16,800 per year)
  • Includes the following:
    • Salaries
    • Child Support
    • SSI and TANF
    • Other income
Annual Maximum Income by Family Size (effective April 2018 through April 2019)
1 person$29,000 per year
2 person$33,600 per year
3 person$37,800 per year
4 person$41,940 per year
5 person$45,300 per year
6 person$48,660 per year
Includes income from all household members who are 18 years of age or older

Criminal Background Checks

  • Criminal background checks will be requested for Applicant, Co-Applicant and all household members 16 years or older
  • Sexual Predator and Sexual Offender
    • Any conviction for applicant, co-applicant or household member: not eligible to participate in the program
  • Felony Charges
    • 5 years or less since conviction: not able to participate in the program
  • Misdemeanor Charges
    • 2 years or less since conviction: not able to participate in the program

Other Issues

  • Married couples – both spouses must sign the mortgage
  • Two unrelated individuals can apply
  • Must certify income under penalty of perjury
  • Your Beaches Habitat home must be your primary residence. No part of the home can be rented (i.e., the entire home or a room(s))

Equal Housing OpportunityWe do business in accordance with the Federal Fair Housing Law

We are pledged to the letter and spirit of the U.S. policy for the achievement of equal housing opportunity throughout the nation. We encourage and support an affirmative advertising and marketing program in which there are no barriers to obtaining housing because of race, color, religion, gender, gender expression, marital status, age, national origin, physical or mental disability, sexual orientation, veteran/reserve/national guard status, or any other status or characteristic protected by law.

Equal Opportunity Employer

Beaches Habitat for Humanity, Inc. is an equal opportunity employer and seeks to employ and assign the best qualified personnel for all our positions in a manner that does not unlawfully discriminate against any person because of race, color, religion, gender, gender expression, marital status, age, national origin, physical or mental disability, sexual orientation, veteran/reserve/national guard status, or any other status or characteristic protected by law.