Here are the answers to some of the most frequently asked questions we recieve about becoming homeowners.
After I am accepted in the program, how long will it take before I can move into my home?
If you complete all your paperwork in a timely manner, it can take up to 12 - 18 months from the time of application until you would be able to move into your Habitat home.
What qualifies as substandard housing?
Substandard can refer to a variety of things, including (but not limited to) structural damage (leaky roof, bad plumbing, poor heat, electrical problems, etc.) overcrowding, paying too much rent, high utility bills, and children of a different sex sharing the same bedroom.
I live in SMHA housing or subsidized housing. Can I still apply?
Yes. These types of housing, as well as transitional housing, can qualify as substandard under our definitions.
Where does Habitat build houses?
Our affiliate currently builds in the areas of Canton, Massillon and Carroll County.
What is “sweat equity?”
Sweat equity refers to the hours Habitat partner families must put in working to help build the homes of other families, taking homeowner education classes, and then building their own home with help from volunteers.
In addition to working on the build sites, what else are partner families required to do?
Each family must attend classes on a variety of topics pertaining to homeownership, including homeowner insurance, predatory lending, wills, home decorating, being a good neighbor, home security, landscaping, car care and more. Each family will also attend a new home dedication ceremony at the completion of their build. In addition, the family must save at least $1400 for their down payment and homeowner insurance.
I don’t have any children. Can I still apply?
Yes. Habitat for Humanity of Greater Stark and Carroll Counties is an Equal Housing/Equal Opportunity lender and does not discriminate against anyone based on race, religion, source of income or family make-up.
What if I am separated, but not legally divorced?
You can apply for a Habitat home, but one of two things will need to happen before you take ownership of your home. You will either need to have your spouse co-sign the mortgage with you, and sign a form stating that he/she has no interest in the house, you must finalize your before the time comes to take ownership of your home.