We’ve been in the business of providing safe affordable housing for a long time and we’ve learned some things along the way to ensure a successful partnership with homeowners.
We know many families have been impacted by the devastating Camp Fire. In response to the severe housing crisis in our community, Habitat for Humanity of Butte County will be building homes on Mulberry Street in Chico. The construction is anticipated to start Fall 2019. These homes will be for first time homeowners who meet Habitat’s eligible criteria, which include:
- Income qualifications: 40-80% area median income
- Need for affordable housing: Priority will be given to those who are most vulnerable (Disaster affected persons, displaced persons, single parent households, older people (65+), person with disabilities, person with long term illness) as well as other criteria
- Ability to Pay an affordable mortgage – steady form of income
- Willingness to Partner with Habitat – provide sweat equity hours to help build your home
NEED FOR HOUSING
Present Housing Situations:
- Priority will be given to the most vulnerable in our community (Disaster affected persons, displaced persons, single parent households, older people (65+), person with disabilities, persons with a long-term illness)
- Cost Burdened household (paying more than 30% of gross income for housing)
- Overcrowded housing e., more than two (2) children per room, adults sharing room with children, children of different sex sharing a room
- Substandard housing: Problems with maintenance and repairs
- Resident of Public Housing
- Unable to secure adequate housing through private market
- Desires home ownership
ABILITY TO PAY
Total Gross Income: Monthly gross income 40-80% of HUD median income for Butte County. Income must be stable and any supplementary income must also be stable and likely to continue.
- Excessive debt cannot be more than $2000. Excessive debt may be charge-offs, collections on credit cards. The $2000 excludes medical debt of up to $10,000
- Demonstrate the ability to manage monthly budget
- History of timely payments
- Stable work history
- Must maintain own household (live on own for one (1) full year within past three (3) years)
- Bankruptcy, liens and judgments
- May reapply two (2) years after bankruptcy has been discharged and good credit has been re-established
- No liens or judgments that cannot be cleared before closing
WILLINGNESS TO PARTNER
Sweat Equity: Understands and is willing to perform at least 250 hours of sweat equity per adult per household from the beginning of partnership to completion of home.
Commitment: Commitment to the community. Lived in and / or worked in Butte County for the past year. Commitment to a drug free community.
Legal Resident: Applicant must provide proof of legal residency.
Criminal Record: No adult member of household has a criminal record that poses a likely future risk to neighbors, Habitat staff, or Habitat volunteers.
For questions contact the Habitat office at 530-343-7423 ext. 5.
Habitat is no longer accepting homeowner applications. Please check our website regularly for updates on when open enrollment will begin.