How it works
Eligibility & Qualifications
The applicant(s) must demonstrate that their current housing situation has one or more of the following characteristics:
-Income is lower than the 60% median as set by HUD (click here to be taken to the current standards)
-Unsafe or very poor conditions. Examples include mold, severe leaks, inadequate heating and cooling, etc.
-Size is inadequate for the present or anticipated residents
-Other facts demonstrating a need for the type of housing Habitat can provide, that goes beyond a personal desire to own a home.
Demonstrated Ability to Pay
-Gross household income must be between 30% and 60% of the median income for the Coos Bay Area at the time of application. (Click here for HUD listing for Coos county)
-A two-year history of stable income and employment. Applicant(s) must also have been a resident within Coos County for no less than a period of 1 year.
-An acceptable credit history. Each applicants credit will be analyzed on a case by case basis. “bad credit” does not necessarily disqualify you from receiving assistance from CBHFH
-Bankruptcies must have been discharged for at least two (2) years.
-Ability to cover closing costs and adjustments, which are approximately $3,500
-Ability to afford anticipated mortgage payments, including property taxes and homeowners insurance. *This rate will be set at a low monthly cost based upon applicant(s) income
-Monthly payments for debt cannot exceed 40% of gross monthly income.
Willingness to Partner with Habitat
-Applicant must complete at least 500 hours (250 from applicant(s) and 250 from friends or family members) of sweat equity towards the building of Habitat homes.
-Applicant must be willing to live in a neighborhood in which Habitat is currently building
-Applicant must be willing to attend required workshops for success in homeownership.
After, the qualifying application families are placed into a selection of families to fill out secondary application. This application verifies the families qualifications, and solidifies their eligibility for our home builds. Once Coos Bay Area Habitat for Humanity has determined the remaining families are 100% qualified to be a Habitat home owner, their file is handed over to the Family Selection Committee. Which follows strict guidelines to insure Coos Bay Area Habitat for Humanity does not discriminate because of race, color, religion, sex, handicap, familial status, sexual orientation, age, gender identity or national origin. The committee then preforms home visits, and family interviews. Where the family is analyzed based on the house hold’s needs. This point scale system eliminates all names, genders, and all other types of personal information. The only Committee member who knows any personal information about the family, is the member who visited the family. The file is then presented to the Board of Directors in which all scoring information is presented along side of each applicant. The applicant with the greatest need is then selected to move to the next stage of the Home Build process.
Construction and Land Development
Coos Bay Area Habitat for Humanity builds our homes based upon the selected families needs. We come to understand our families needs through the lengthily Family Selection Process.
The first phase of constructing the home is our design and land selecting phase. In which we present a qualified architect and engineer with a list of requirements based upon the families individual needs, and our land availability. ( A few example of things we consider are, how large is the family, does the home need to meet ADA requirements, are they expecting )
Home Completion and Turnover
Once the home is finished, and all the requirements have been met for home ownership. We turn the keys over to the occupying family. We hold a welcome home ceremony that the volunteers, families, sponsors, and board members attend.
Habitat reserves the right to waive or alter any of the upon criteria based upon the unique situation of the applicant.
This is an Equal Housing Opportunity. Coos Bay Area Habitat for Humanity (As well as Habitat for Humanity International) does business in accordance with the federal Fair Housing law.
We do not discriminate against any person because of race, color, religion, sex, handicap, familial status, or national origin.