How Does One Qualify for a Habitat Home?

HfHYC determines eligibility for homeownership based on several criteria including:

• the family’s current shelter is substandard, unaffordable or overcrowded;
• the family is willing to perform 400 hours of “sweat equity” work;
• a determination that the family has a responsible credit history;
• the family’s inability to obtain a mortgage from a conventional institution; and
• a total family income from all sources which is within the following example ranges:

Persons	2	3	4	5	6	7
2005 Low	$20,800	$20,800	$23,200	$27,100	$31,000	$35,000
2005 High	$25,700	$32,200	$38,700	$45,200	$51,700	$58,200

Families who have lived or worked in York County for at least one year are encouraged to apply for the projects. HFHYC is a fair housing provider and meets all Federal guidelines for nondiscrimination. Race, color, handicap, age, sex, religion, national origin and family structure are not factors in the selection process.