Are the materials for Habitat houses donated?
Not as much is donated as you might think. Generally less than 5% of the material and sub-contractor costs for a home are donated or discounted. We have some wonderful part ners, subs and vendors who work with us to control their costs and offer discounts where they can. Most of these subs and suppliers are hardworking small businesses who can’t afford to donate all their materials or labor. We are grateful for the quality service they provide.
How do you apply to buy a home?
The process can start with a phone call to begin the application process. The first step is income verification. Habitat Choptank wants to determine that an applicant falls within the federally-determined low-income range for this area: for up to a family of four, this means an annual household income between $26,880 – $49,920. In this range, it is unlikely that the applicant could qualify for conventional financing and yet, s/he earns enough to be able to repay an affordable mortgage.
Next, there is a personal interview to review household expenses. Habitat Choptank then checks the credit report to look at outstanding debt and calculates standard ratios to assure affordability for the prospective buyer both in purchasing and maintaining the home. After the credit report, there is the criminal background check, sexual offender list check, money laundering check, and a request for references from landlord and employer.The final step is a home visit. Habitat Choptank has experienced financial coaching volunteers who work with applicants to resolve debt or reorganize their living expenses so that those who are ready to do the work can qualify.
How many people volunteer for Habitat Choptank?
FY2016 was a banner year! 506 volunteers contributed 28,364 hours. While construction is the most visible part of our mission, we also rely on volunteers for running the ReStore, serving on our Board and program committees, helping at the office, leading fundraising events and tackling special projects.