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Qualification Criteria

Greater Lynchburg Habitat for Humanity assesses families on the three following qualification criteria:

- Need

- Ability to pay

- Willingness to partner

Greater Lynchburg Habitat for Humanity only accepts applications during stated enrollment periods. Applications can be received at official Application Meetings, typically scheduled two or three times a year. Call Greg Tyree at 434-528-3774, or email him at gtyree@glhfh.org for details.

 

Need

Families will be considered for a Habitat for Humanity house if their present housing is not adequate (i.e. proven cost-burden, unsafe or unhealthy, too crowded, etc.), and if they are unable to obtain adequate housing through other conventional means.

Lack of adequate housing may include problems with the present structure, such as inadequate water, electrical or sewage service systems, heating system, or failure to meet city property maintenance standards. Also taken into consideration are the number, ages and gender of the children compared to the number of bedrooms in your present home.

We also consider the family’s percentage of monthly income that is currently spent on housing. Families are required to be open and transparent, and must completely disclose their financial situation with the Family Services Manager.

Applicants must currently live in the city of Lynchburg and have done so for a minimum of one year. Applications from outside of Lynchburg city are accepted at the discretion of the Board of Directors. Your application will be considered if your family’s total income is no less than 40% of the Lynchburg area median income (as determined by HUD). The maximum may not exceed 70% of the median income.

For additional information regarding income, please contact the Greg Tyree, Family Services Manager, at 434-528-3774, or email him at gtyree@glhfh.org.


Ability to Pay

Since families actually buy their home from Greater Lynchburg Habitat for Humanity, they must demonstrate their ability to pay the monthly mortgage payment. This payment includes the actual house payment (principal), plus real estate taxes and homeowners insurance (placed in escrow).

First, ask yourself these questions:

1. Do I have enough income based on Habitat’s guidelines to pay the modest house payment for the 15 to 30 year payment period?

2. Are my expenses, in addition to a potential house payment, manageable within my income?

3. Is my credit in reasonable shape?

All applicants must have an acceptable credit history and minimal outstanding debt. Bankruptcy, foreclosure, judgments and collections, unpaid medical bills, and outstanding student loans are considered when analyzing your credit.
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Willingness to Partner:

If selected, your family will work toward becoming a partner family with Greater Lynchburg Habitat for Humanity (GLHFH). To become a partner family, you must complete 300 hours of volunteer work, or "sweat equity," working on your house and the houses of others. These hours must be completed before you can become a homeowner.

Sweat equity might include clearing the lot, painting, helping with construction, or working at the GLHFH office or ReStore. As a partner family, you must complete 150 hours yourself. Members of the community, friends, and family may assist you in completing the remaining 150 hours. As a sign of good faith and in keeping with Habitat for Humanity’s mission of bringing all of God’s people together in partnership to build decent housing, at least 50 hours are to be spent working on the house of another family.

The prospective homeowner (PHO) will sign a letter of intent and relationship agreement with GLHFH.

The PHO will attend no less than six (6) homeowner classes (up to 10 classes), some with multiple sessions, from the time of acceptance until the closing of the home.

To maintain status as a Partner Family, you must keep your credit in good condition, not take on any other debts, and periodically provide proof of income. The Family Services Manager and your Family Advocate (assigned to you by the committee) will assist in you being successful as a Partner Family.
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