Before you apply!
"The Federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status, age (providing the applicant has the capacity to enter into a binding contract); because the applicant’s income derives from any public assistance program; or because the applicant has in good faith exercised any right under the Consumer Credit Protection Act. The federal agency that administers compliance with this law: Federal Trade Commission, Equal Credit Opportunity, Washington, D.C. 20580"
Ability to Pay:
Habitat homeowners purchase their Habitat home and are required to pay a monthly mortgage payment. Your credit history will be considered in this regard.
What is your estimated monthly household income?
Willingness to Partner:
The homeownership program requires that you partner with Habitat by completing 200 "Sweat Equity” hours (volunteer hours) for single applicants and 400 hours for dual applicants. Sweat equity is completed by attending mandatory monthly Homeowner Education meetings, attending budgeting workshops, volunteering with us in the office and helping to build your home or another family's home.
We are always seeking to purchase new lots on which to build/rehab homes. We do our best to match the area you wish to live in with what we have available, but we cannot guarantee a suitable match. Please indicate your top three areas in Wood County in which you would be willing to purchase a Habitat home.
Highest Level of Education:
Please provide the following information for all the people who will be living in the home including you and co-applicant (if applicable).
Please list all sources of income received on a monthly basis and send in required proof of income. We cannot review your application without these documents. Monthly income includes jobs, social security, disability, S.N.A.P., and child support (if reliable).
THE FOLLOWING DOCUMENTS WILL NEED TO BE SUBMITTED ONLINE, MAILED, OR DELIVERED TO THE OFFICE:
1.) Last 2 years of most recent tax returns filed
2.) 8 weeks of paystubs for each applicant
3.) Documentation of all other household income (e.g. social security, disability, food stamps, and child support)
We cannot review your application without these documents!
Mail:
PO Box 235
Bowling Green, Ohio 43402
Deliver to our office:
326 Industrial Parkway Unit 1
CREDIT REPORT AUTHORIZATION AND PRIVACY DISCLOSURE
I hereby authorize and instruct Habitat for Humanity of Wood County (“HFHWC”) to obtain and review my credit report. My credit report will be obtained from a credit reporting agency chosen by HFHWC. I understand and agree that HFHWC intends to use the credit report for the purpose of evaluating my financial readiness to purchase a home.
I understand that I may revoke my consent to these disclosures by notifying HFHWC in writing.
I affirm that the information that I have provided is true and accurate to the best of my knowledge. I understand that providing false information may cause my disqualification for the purchase of a HFHWC home.