Become a Homeowner

**PRINTABLE APPLICATION AT THE BOTTOM OF THE PAGE**

What is Macon Area Habitat for Humanity?


Macon Area Habitat for Humanity is an ecumenical Christian nonprofit organization building affordable homes with people who qualify. Homeowners spend 300 hours working with Habitat to complete the requirement of sweat equity and purchase their homes from Habitat with an interest-free mortgage. The monthly payment for a 3-bedroom house is about $400 per month including insurance and taxes.

Do I qualify to buy a Habitat for Humanity home?


You may be eligible if you meet Habitat's 3 basic guidelines (Need, Ability to Pay, & Willingness to Partner) and can answer yes to all of the following statements:

1. I have need:
The housing I live in is at least one of the following:

Overcrowded
Poorly maintained (substandard)
In a dangerous neighborhood
Public housing or section 8
Temporary (I will not be able to live here for much longer).
I spend more than 35% of my gross income on rent 

                                          AND

My income falls within the following guidelines:

Macon Area Habitat for Humanity

Income Guidelines - 2011

 

 

 

 

 

# of people

25%

60%

 

1

9,450

22,680

 

2

10,800

25,920

 

3

12,150

29,160

 

4

13,500

32,400

 

5

14,600

35,040

 

6

15,675

37,620

 

7

16,750

40,200

 

                                              8

17,825

42,780

 

  *  If your income range is higher than the above chart, refer to the "Become a Renew Macon Home Owner" page.

 

 2 .  I have the ability to pay:

  • I have not declared bankruptcy in the last 12 months and any existing bankruptcy has been satisfied or discharged.
  •  I pay my rent on time

  •  I have had a stable income for the past year.

 3. I am willing to partner with Habitat:

 I am willing to be a partner with Habitat and put in 300 hours of sweat equity, first working on other families homes & the building my own home.  I will also attend homeowner education classes.  I understand that Habitat does not give away houses, and I know that I will be held responsible for paying back a mortgage over 20 years.

 

I have been living in either Bibb or Jones Counties for at least the last year.

 

I understand that Macon Area Habitat for Humanity is building houses only in Lynmore Estates and, if approved, I am willing to move to, and live in, Lynmore Estates. 

What will be required to do if I am approved?

 

Work 300 hours of Sweat Equity first help build other families homes, then help build your own home.

 

Attend homeowner education classes.

 

Pay a deposit of $900 before closing.

 

Debt MUST NOT INCREASE before closing on your home.

 

Pay a monthly, no-interest mortgage for twenty years.

 

How do apply for a Macon Habitat house?

 

Be on the lookout for advertisements about upcoming workshops and attend for an application. Please contact the Macon Middle Georgia Housing Counseling Center at 478-803-2373 to learn more about homeowners programs in Macon. You should expect the application process to take 18 months between turning in an application and beginning construction on your house if you are approved as a homeowner.

Download the application form and bring the completed form to 690 Holt Ave. Macon, GA.



 


Attached Documents