How it Works


055Evergreen Habitat for Humanity provides the opportunity for hardworking families currently living in Clark and Skamania counties to become successful homeowners. Habitat offers a ‘hand-up, not a handout’ by making it possible for struggling families to own their own home. Family partners are selected based on meeting three criteria:

1) Need
Successful applicants must demonstrate that their current housing does not meet their family’s needs. If your current residence is inadequate because of overcrowding, structural damage or does not meet current property codes, or has maintenance issues that your landlord does not tend to, you may qualify for a Habitat home.

The following is a list of other reasons that may qualify as a need for housing:

  • Unsafe neighborhood
  • Rent is not affordable (more than 50% of monthly income)
  • Housing is transitional
  • Housing is subsidized

Each family must verify that their annual income falls between thirty five and sixty percent of the median income which is determined by HUD guidelines.

Year 2017 Guidelines (HUD published information for Clark County)
Family Size 35% Median 60% Median
One $18,302.00 $31,374.00
Three $23,531.00 $40,338.00
Five $28,237.00 $48,406.00
Seven $32,420.00 $55,577.00

2) Ability to Pay
Partner families purchase Habitat homes with zero percent interest mortgage payments that do not exceed thirty percent of their monthly income. The payments enter a revolving fund used to build future Habitat homes. Evergreen Habitat considers credit history, employment and debt-to-income ratio to determine a family’s ability to make regular payments and to cover closing costs.

Qualifying Issues to consider:

  • No more than $2,000 in collections
  • No liens or judgments
  • No pending or finalized foreclosures in the last 3 years
  • No bankruptcy within the last 18 months

3) Willingness to Partner
Evergreen Habitat partner families are involved in all aspect of home building. They commit to working volunteer ‘sweat equity’ hours (250 hours for an individual or single-parent household and 500 sweat equity hours per partner family) from the time they are selected to the home dedication. Not all hours must be completed on the job site; we have many office and event volunteer opportunities as well.

4) How to Apply

A Program Eligibility Assessment is available throughout the year and is a non-mandatory, non-binding  assessment. This assessment gives the applicant the opportunity to provide limited information on income, family size, and credit history for an eligibility review in the program. An applicant can include a recent credit report from www.annualcreditreport.com or pay EHFH a credit check fee of $17 to obtain a copy. An EHFH staff will review the documents submitted. See the full assessment here.

If you are interested in the Program Eligibility Assessment, it is available for download by clicking this link,  2017 Program Eligibility Assessment Application.  If you do not have the ability to download this Assessment, one can be mailed to you by calling 360-737-1759 or emailing melissa@ehfh.org. Send filled out Program Eligibility Assessments with credit report or credit check fee to the office at PO Box 871570 Vancouver, WA 98687.

Full applications will be accepted once a year around spring time. To learn more about applying, please contact Melissa at 360-737-1759 or melissa@ehfh.org.

Thank you for your interest in Evergreen Habitat for Humanity. Please fill out the form below. We will contact you for our next round of home-ownership orientations.

 

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