BIRMINGHAM, Ala. (WIAT) — Today is the deadline for families looking to apply for housing through the Gadsden-Etowah County Habitat for Humanity.
Families have to meet four criteria to qualify for Habitat for Humanity housing:
Need — families must be living in substandard or poverty housing, i.e. structural problems (leaky roof, unsafe flooring, etc.), inadequate electrical, plumbing or heating systems, unhealthy conditions, inoperable kitchen or bathroom, overcrowding three to a bedroom, etc. Habitat does not consider Gadsden or Attalla Public Housing to be substandard or poverty housing.
Ability to Pay — You and/or your family must have an annual income between $16,230 to $40,575 for a family of four or less. If your family is larger than four people, a higher income amount is allowed. A family’s projected housing expenses (mortgage plus utilities) cannot exceed 35% of the family’s gross income.
Willingness to Partner — Complete 300 hours of volunteer sweat equity by helping build houses, attend Partnership Classes & Family Focus meetings on budgeting, credit, home & lawn maintenance, help with fundraising, office work, mailings and other HFH projects, and make a $600 down payment and pay first year’s minimum insurance premium.
Residence — You and/or your family must have resided in Etowah County for at least one (1) year.
New houses are built and sold at 0% interest with a 20-year mortgage to qualified Habitat partners. Typical monthly mortgage payments (including taxes and insurance) is about $300-$325 per month.
The deadline to qualify is Monday, October 1st. For more information, click here. You can also find more information on the Gadsden-Etowah County Habitat and find out how to donate via the website here. Don’t forget to follow along on Facebook as well.