NRI Home Repair Program
Transcription
NRI Home Repair Program
NRI Home Repair Program - Eligibility Guidelines Neighborhood Revitalization Initiative Habitat’s NRI Home Repair Program offers limited home repairs and improvements in order to maintain safe, decent living conditions and reasonable operating costs. It is not an emergency repair program. Qualified applicants that demonstrate the greatest need for a Habitat repair will be eligible for services at an affordable cost. All repair projects are subject to availability of funds. Repairs include: Roof Water Heater Water System/Well HVAC Insulation Weatherization/Windows and Doors Minor Floor and Wall Repairs Note: Standard home improvements are not considered critical home repairs. The applicant must meet the following guidelines to qualify: • Proof of ownership, with name listed on title • Have lived in the house for at least one year • Real estate/property taxes must be paid current • Have current homeowner’s insurance policy • Be in good standing on mortgage payments (if applicable) • Be willing to partner with Habitat by contributing sweat equity hours (see below) • Meet Habitat’s income guidelines (household income below 80% AMI-area median income) • Be willing and financially able to repay Habitat for work done (see below) Background Checks Habitat performs background checks and sex offender checks on all adult members of the family. It is Habitat for Humanity of Lee and Hendry Counties’ policy to not accept any applicants who have been convicted of a sex crime and/or who must legally have their name on the national sex offender registry. Habitat also has a strict policy regarding criminal convictions. Habitat will use its sole discretion when making decisions about partnering with a family who has a history of criminal activity. Sweat Equity Habitat requires that families put in a certain number of sweat equity hours. Sweat equity demonstrates a family’s willingness to partner with Habitat and is accomplished by volunteering on a Habitat construction project, in the Habitat ReStore or office, or other approved activities. For the NRI program, families will need to put in 8 hours of sweat equity for every $1,000 of cost of your project, with a minimum of 8 hours up to a maximum of 300 hours. Ability to Repay To be eligible for Habitat NRI Home Repair Program, your total household income cannot exceed 80% of the area median income (AMI), adjusted for family size as shown on the charts below. Your credit report will be utilized in assessing your general fiscal responsibility. All applicants are expected to repay the cost of repairs over time. We will look at your total income to debt ratio to make sure that the repayment amount will not put a financial burden on you or your family. Household Size Lee County (80% AMI) Hendry County (80% AMI) 1 2 3 4 5 6 7 8 $32,300 $36,900 $41,500 $46,100 $49,800 $53,500 $57,200 $60,900 $26,750 $30,550 $34,350 $38,150 $41,250 $44,300 $47,350 $50,400 Repayment Guidelines Homeowners are expected to repay all or a portion of repair costs by paying back a 0% interest loan. You should anticipate paying a fixed monthly payment, based on your income and the amount of the repair work, for a 1 to 5-year period. You will be required to sign a Promissory Note acknowledging the repayment obligation. Promissory Notes greater than $5,000 will be secured by a Mortgage on your property. If you are interested in working with Habitat and believe you qualify for NRI home repair work according to the above guidelines, we encourage you to fill out and return the enclosed initial application. Should you be selected as a candidate for Habitat’s NRI Home Repair Program, you will be contacted and a formal application will be provided. Our goal at Habitat is to build lasting relationships with our Partner Families and to see them succeed in every way. Initial applications should be mailed or delivered to: Habitat for Humanity of Lee and Hendry Counties Attn: NRI Home Repair Program 1288 N. Tamiami Trail N. Fort Myers, FL 33903 If you have any questions, please feel free to contact our office by telephone at 239-652-0434 or by email at [email protected]. Habitat for Humanity of Lee and Hendry Counties 1288 N. Tamiami Trail N. Fort Myers, FL 33903 (239) 652-0434 www.habitat4humanity.org Neighborhood Revitalization Initiative NRI Home Repair Program Initial Application Please complete this application to determine if you qualify for Habitat’s NRI Home Repair Program. Fill out the application as completely and accurately as possible. All information you include on this application will be kept confidential. Applicant Information Name: Physical Address: Mailing Address: City _, State Zip Years at Address: Home Phone: Work Phone: Cell Phone: Household Information Number of persons living in the home (including applicant): Is anyone in the home a veteran? _____ YES _____ NO Is anyone in the home disabled? _____ YES _____ NO Is the homeowner(s) 62 years or older? _____ YES _____ NO Household Budget Note: If you qualify to submit a full application for Habitat’s NRI Home Repair Program, you will be asked to verify your annual household income and monthly expenses with supporting documentation. The total combined household income before taxes for all persons living in the home is: $ The total household expenses (ex. mortgage, utilities, credit card payments, etc) are: $ per year per month Mortgage Details What year was your home built? ____ Do you pay a mortgage on your home? _____YES _____ NO If YES, your monthly mortgage payment is: $ /month Unpaid Balance $ Does your mortgage payment include property taxes and homeowner’s insurance? ____ Yes ____ No Permission to Refer Habitat’s NRI Home Repair Program is limited in scope. When possible, we partner with other organizations to address repair needs that Habitat cannot complete at this time. If your needs can be met more appropriately by another repair organization, may we share your application with them? _____ YES _____ NO Repair Request Please check () the type of repair or modification you are requesting for your home. _____ _____ _____ _____ _____ _____ _____ Roof Water heater HVAC Water system/well Insulation Yard cleanup/landscaping Weatherization/windows and doors Please write an explanation of why you are in need of home repair service from Habitat. Applicant Agreement I understand that by submitting this application, I am authorizing Habitat for Humanity of Lee and Hendry Counties to evaluate my need for the NRI Home Repair Program. I understand that the evaluation will include a home assessment by Habitat’s representatives. I give permission for photos to be taken of my home. I understand that if selected, the final decision on the type of repairs that will ultimately take place will be made at the discretion of the NRI committee. I have answered all the questions on this application truthfully. I understand that if I have not answered the questions truthfully, my application may be denied, and that even if I have already been selected to receive the Habitat repair loan, I may be disqualified from the program. The original or a copy of this application will be retained by Habitat for Humanity even if the application is not approved. _________________________________________ Applicant Name (Print) _________________________________________ Applicant Signature ________________________________________ Date How to Submit Application Mail the complete form to: Habitat for Humanity of Lee and Hendry Counties Attn: NRI Home Repair Program 1288 N. Tamiami Trail N. Fort Myers, FL 33903 OR Place the complete form in a sealed envelope drop it off Tuesday – Friday from 6:30am – 5:00pm to: Habitat for Humanity of Lee and Hendry Counties Attn: NRI Home Repair Program 1288 N. Tamiami Trail N. Fort Myers, FL 33903 If you have questions or need help filling out your application, please contact Habitat for Humanity of Lee and Hendry Counties at (239) 652-0434 or email [email protected]. Habitat for Humanity of Lee and Hendry Counties selects families for the NRI Home Repair Program in a way that does not discriminate on the basis of race, gender, color, age (provided the applicant is old enough to enter into a contract), handicap, religion, marital or familial status, gender identity, sexual orientation, political ideology, creed, heritage, ancestry, national origin, source of income, including because all or part of the applicant’s income is derived from public assistance programs, or because the applicant has in good faith exercised any right under the federal consumer credit laws.