to submit your completed application, you must call 509 ... · to submit your completed...

To submit your completed application, you must call 509-943-5555 x207 to schedule an intake interview. (Incomplete applications will be delayed.)

In addition to the documents required in the application, you must bring all of the following pieces of identification:

Driver’s License(s) (for each applicant) Permanent residence cards (for all family members) Social Security cards (for all family members)

To run your credit check, please have a personal check written out to: TCP-Habitat for Humanity

Fees (do not bring cash): One applicant = $14.30 Two applicants = $25.70

Appointment Date: M T W Th F

Appointment time: AM PM

(please bring this form with you to your scheduled appointment)

Tri-County Partners Habitat for Humanity Family Services 313 Wellsian Way Richland, WA 99352

F:Application Form & Related Documents/Homeowner application form TC 8.25.20.pub

Tri–County Partners Habitat for Humanity is a non-profit, ecumenical Christian housing ministry dedicated to eliminating poverty and homelessness. Tri-County Partners Habitat for Humanity works in partnership with low-income working families, sponsors, and communities to build and renovate decent, affordable housing. Through volunteer labor and donations of money and materials, Tri–County Partners Habitat for Humanity builds and rehabilitates simple, decent houses with the help of the homeowner families.

There are three criteria that must be met in order to qualify for a Tri–County Partners Habitat for Humanity home.

1. Need for Adequate Shelter:Tri-County Partners Habitat for Humanity builds homes for low-income families, whose present housing is inadequate. (Applicants must be legal residents of the U.S., and have lived in the Tri-Cities area for at least one year).

Income Guidelines—Provided by Housing and Urban Development for Pasco, Kennewick, and Richland. Guidelines effective June 28th 2020 and are subject to change.

Family Size Minimum Income 30% Area Median Income

Maximum Income 60% Area Median Income

1 person $16,300 $32,580

2 person $18,600 $37,200

3 person $21,720 $41,880

4 person $26,200 $46,500

5 person $30,680 $50,220

6 person $35,160 $53,940

7 person $39,640 $57,660

8 person $44,120 $61,380

2. Ability to Pay:Applicants must have the resources to pay a low-interest monthly mortgage and the ability to save for closing costs (currently approximately $9,000). Applicants must have a minimum Equifax credit score of 640.

3. Willingness to Partner:Applicants need to be willing to contribute to the “sweat equity” requirement of 500 hours, and be a part of the Tri–County Partners Habitat for Humanity family.


313 Wellsian Way Richland, WA 99352

Phone: 509-943-5555 Email: [email protected] www.habitatbuilds.com/homeownership

To complete your application you will need to provide Tri-County Partners Habitat for Humanity with the following information:

1. All Federal Tax forms for anyone working within the household for the past two years.2. All W-2 forms for anyone working within the household for the past two years.3. Past 6 months rent or mortgage payment records (receipts, money order copies, etc.).4. Past 2 months paycheck stubs for anyone working within the household and any other income

records such as SSI, unemployment, child support, food stamps, etc.5. Past 3 months statements from your bank and other financial institutions.6. Past 3 months credit card statements.7. Copy of Social Security Cards for everyone within the household.8. Proof of U.S. Residency or Citizenship for everyone in the household (permanent resident card,

naturalization card, birth certificate).9. Copy of divorce decree, if applicable10. Proof of dependent custody, if applicable

Do NOT submit your original statements. Only COPIES will be accepted.

(There will be a processing fee due after all information has been received and processed for eligibility. This fee will cover the comprehensive background check conducted by Habitat on you and, if applicable, the co-applicant and your dependents).

In order to be considered for a Tri–County Partners Habitat for Humanity home, please schedule an intake appointment with the Family Services Coordinator by calling 509-943-5555 x207. Bring the above documents and your completed application to the office at:


Heading Place you r m essag e h ere. Fo r m axim um i mpact , use two or t hre e se ntenc es.

Habitat for Humanity

313 Wellsian Way

Richland, WA 99352

509-943-5555

www.habitatbuilds.com

E-Mail: [email protected]

www.habitatbuilds.com

Date of Birth

Date of Birth

Date of Birth

Date of Birth


Describe how you would like to partner with Tri-County Partners Habitat for Humanity to achieve your ’sweat equity’ hours: (activities, special skills, hours per week available, family members/friends participating, etc.).

Where did you hear about Tri-County Partners Habitat for Humanity? (media, friend, work, website, etc.).

Is your rent subsidized? Yes______ No_________

Why do need a Habitat home?


Totals for other household members


I understand that by filling in this application form, I am authorizing Habitat for Humanity to evaluate my actual need for a Habitat home, my ability to repay the no-interest loan and other expenses of homeownership, and my willingness to be a partner family. I understand that the eval-uation will include personal visits, a credit check, a criminal background check, Sex offender registry check and employment verification. I have answered all the questions on this application truthfully. I understand that if I have not answered the questions truthfully, my application may be denied, and even if I have already been selected to receive a Habitat home, I may be disqualified from the program. The original or a copy of this application form will be retained by Habitat for Humanity even if the application is not approved.

g. Have you ever owned a home?

h. Do you currently own land? If yes, provide location


RIGHT TO RECEIVE COPY OF APPRAISAL

We may order an appraisal or other property valuation to determine the property’s value.

We will promptly give you a copy of the appraisal, even if your loan does not close.


EQUAL CREDIT OPPORTUNITY ACT NOTICE The Federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of race, col-or, religion, national origin, sex, marital status, age (provided the applicant has the capacity to enter into a binding contract); because all or part of 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 monitors compliance with this law concerning this company is the Federal Trade Commission, with offices at:

FTC Regional Office for the Northwest region 915 2nd Ave

Seattle, WA 98104

or

Federal Trade Commission Equal Credit Opportunity

600 Pennsylvania Ave, NW Washington, DC 20580

You need not disclose income from alimony, child support or separate maintenance payment if you choose not to do so. However, because we operate a Special Purpose Credit Program, we may request and require, in order to determine an applicant's eligibility for the program and the affordable mortgage amount, information regarding the applicant's marital status; alimony, child support, and separate maintenance income; and the spouse's financial resources. Accordingly, if you receive income from these sources and do not provide this information with your application, your application will be considered incomplete and we will be unable to invite you to participate in the Habitat program. Applicant: Co-applicant: X X Print Name: Print Name: Date: Date:

Certification of Zero Income This form is to be completed by a household member age 18 or older who claims no income from any source.

Name:

I hereby certify that: (1) I do not receive income from any of the following sources:

a) Wages from employment (including commissions, tips, or bonuses) b) Alimony, child support, or maintenance c) Income from operation of a business or farm d) Rental income from real estate or personal property e) Interest or dividends from financial assets f) Social Security payments or pension payments, including death benefits g) Payments from annuities, insurance policies, or retirement funds h) Unemployment, disability, workman’s compensation, or severance payments i) Public assistance payments (excluding SNAP or LIHEAP) j) Recurring gifts from organizations or persons outside my household k) Alaska PFD, other State, Native American Tribal, or Native Alaskan Village Corporation

distributions or dividends

(2) Choose all that apply:

There is no change expected in my income or employment status during the next 12 months*.

I am looking for employment. I have been unemployed since .

I am currently a student or in an unpaid apprentice program and not receiving income.

(3) The information provided above is true, complete and accurate. I understand that providing false representations herein may constitute an act of fraud. I acknowledge information provided is being used for specific purpose of determining my household is eligible to receive assistance from the FHLBDM Affordable Housing Program or Down Payment Products. I will fully cooperate with the Program Administrator and Member to obtain or provide any necessary documents to confirm the information provided.

Signature Date *If a person is expecting a change in their income or employment status during the next 12 months, income from those sources should be verified and included in calculation of income. For example, if the person has an offer of employment, or is on temporary leave of absence or laid off from their employer, income from those sources should be included in income calculation.

Certification of Zero Income March 2019

9/21/2020

Verification of Employment Instructions

The lender uses this form for applications for conventional first or second mortgages to verify the applicant's past and present employment status.

Copies Original only.

Printing Instructions This form must be printed on letter size paper, using portrait format.

Instructions The applicant must sign this form to authorize his or her employer(s) to release the requested information. Separate forms should be sent to each firm that employed the applicant in the past two years. However, rather than having an applicant sign multiple forms, the lender may have the applicant sign a borrower's signature authorization form, which gives the lender blanket authorization to request the information it needs to evaluate the applicant's creditworthiness. When the lender uses this type of blanket authorization, it must attach a copy of the authorization form to each Form 1005 it sends to the applicant's employer(s).

For First Mortgages: The lender must send the request directly to the employers. We will not permit the borrower to hand-carry the verification form. The lender must receive the completed form back directly from the employers. The completed form should not be passed through the applicant or any other party.

For Second Mortgages: The borrower may hand-carry the verification to the employer. The employer will then be required to mail this form directly to the lender.

The lender retains the original form in its mortgage file.

Instructions Page

We consider all applicants without regard to race, color, religion, sex, national origin, citizenship, age, mental or physical disabilities, veteran/reserve/national guard or any other similarly protected status. Accommodations will be provided for procedural understanding for applicants with special needs.

APPLICATION FOR HABITAT HOUSING

C:\Users\bcball\Desktop\Release of information revised 9.21.2020.doc

AUTHORIZATION TO RELEASE INFORMATION

For Credit, Background and Sex Offender Checks

In connection with my application for homeownership, I/We understand that investigative background inquiries will be made on the applicant, co-applicant and any other persons over the age of 18, who will be residing in the home. These inquiries will include criminal convictions, the national sex offender registry and other reports that may include verifying the information provided on the application with the employer and/or the financial institution. By completing this form, I am submitting myself to such an inquiry. I/We understand that Tri-County Partners Habitat for Humanity will request information from various Federal, State and other agencies which maintain records concerning my past activities relating to my criminal experiences. I/We also understand that I/We may withhold my permission to conduct a background check and that in such a case, no investigation will be done and therefore, my application for a Habitat home will not be processed further. All applicants will be given an opportunity to review any conviction record upon written request. I/We hereby authorize that a photocopy of this authorization may be considered as valid as an original. I/We understand that there will be a fee for each person living in the Habitat home who is over the age of 18 and requires a credit check. I/We understand that this money is due at the time that this form is completed and submitted to Tri-County Partners Habitat for Humanity. To whom it may concern:

1. I/We have applied for a home through Tri-County Partners Habitat for Humanity. As part of the application process, TCP-HFH may verify information contained in my/our application and in other documents required in connection with the process, either before the home is closed or as part of its quality control program.

2. I/We authorize you to provide to Tri-County Partners Habitat for Humanity and and all information and documentation that they request. Such information includes, but is not limited to, employment history and income; bank, money market, and similar account balances; credit history; and copies of income tax returns. I/We certify that all of the information is true and complete. I/We made no misrepresentations in the application or other documents, nor did I/We omit any pertinent information. ___________________________________________________________________________________________________________ Print Name Social Security # Signature Date ____________________________________________________________________________________________________________ Print Name Social Security # Signature Date Additional persons over 18 who will be residing in the home ____________________________________________________________________________________________________________ Print Name Social Security # Signature Date ____________________________________________________________________________________________________________ Print Name Social Security # Signature Date

We consider all applicants without regard to race, color, religion, sex, national origin, citizenship, age, mental or physical disabilities, veteran/reserve/national guard or any other similarly protected status. Accommodations will be provided for procedural understanding for applicants with special needs.

APPLICATION FOR HABITAT HOUSING

C:\Users\bcball\Desktop\Release of information revised 9.21.2020.doc

NOTICE TO BORROWERS: This is notice to you as required by the Right to Financial Privacy Act of 1978 that VA or HUD/FHA has a right of access to financial records held by financial institutions in connection with the consideration or administration of assistance to you. Financial records involving your transaction will be available to VA and HUD/FHA without further notice or authorization but will not be disclosed or released by this institution to another Government Agency or Department without your consent except as required or permitted by law.

C:\Users\bcball\Desktop\Qualifying Requirements updated 9.25.2020.docx

A. RESIDENCE REQUIREMENT:

1. All applicants MUST be Permanent U.S Residents 2. Applicant(s) MUST have resided in Tri-County area for a minimum of 1 year. 3. An exception may be made if the applicant has been working within the Tri-County area for a minimum of 1 year, but

commuting to a home outside the Tri-County area.

B. ABILITY TO PAY: Applicant(s) MUST meet income guidelines. 1. 30% - 60% of the area median income for our area, as set by HUD. 2. Bankruptcy must have been discharged a minimum of 3 years prior to application, with good payment record since. 3. Long-term debt-to-income ratio should not exceed 40%. 4. Projected mortgage payment should not exceed 30% of household income. (HFHI manual) 5. Any foreclosure must have occurred a minimum of 5 years prior to application, with good payment record since.

C. WILLINGNESS TO PARTNER: Applicant(s) MUST be willing to partner. This is demonstrated by:

1. Promptness in completing application, providing required documentation, and responding to requests for additional information.

2. Willingness to save $9000 for closing costs during the 6-24 months while working toward homeownership. 3. Willingness to complete a minimum of 500 hours of sweat equity labor 250 of which may be completed by friends or

relatives of the applicants

D. MUST DEMONSTRATE NEED: Applicant(s) MUST currently be living in inadequate housing, such as: 1. The home has structural damage, or problems with heating, electrical, plumbing, mold, infestation, or other condition

issues 2. The home is overcrowded 3. Facilities do not accommodate special needs, such as physical disabilities 4. The household is “debt-burdened” (paying over 50% of monthly income in rent)

POLICIES:

• Credit checks and criminal background checks will be run prior to approval into the program, again prior to a lot/house being offered, and may be run again prior to closing of loan. Any noncompliance will result in program participant(s) being dropped from the housing program.

• Application may be denied based on any household member’s drug conviction within 5 Years prior to application, or any felony conviction within 5 years prior to application, through closing. Affiliate adheres to HFHI legal decisions regarding criminal background checks.

• Application may be denied based on any household member’s conviction as sex-offender, the length of time between conviction and application to the Habitat program will be determined on a case by case basis

• All judgments of record must be cleared to be eligible for lot/house offer. • Any major purchases on credit incurred between program approval and loan closing could trigger de-selection if long-term debt-to-

income ratio exceeds maximum allowed (for example, a major purchase which adds a significant amount to monthly payment obligations could cause debt ratio to exceed 41%).

• If in debt, applicants must attend credit counseling prior to approval into the homeownership program. Additional workshops required during program.

• Must attend First-time Homebuyer’s Education classes before closing. • Washington state law does not allow married persons to apply on their own (i.e., spouse needs to be a co-applicant) • Must complete first 200 sweat equity hours, to be eligible for lot/house offer. • To show earning capability, all applicant/s must have or establish a two-year work history in the same field. This is a requirement

needed to qualify for a home loan in our program. • Total minimum number of 500 sweat equity hours must be completed prior to moving into home, of which 250 MUST have been

completed by the applicants

QUALIFYING REQUIREMENTS – 2020 (Approved by Family Selection Committee April 7, 2020)

C:\Users\bcball\Desktop\Qualifying Requirements updated 9.25.2020.docx

Tri-County Partners Habitat for Humanity is an Equal Housing Opportunity builder. We are pledged to the letter and spirit of US policy for the achievement of equal housing opportunity throughout the nation. We encourage and support an affirmative advertising and marketing program in which there are no barriers to obtaining housing because of race, color, religion, sex, handicap, familial status or national origin. I have read and fully understand the Family Selection Criteria. I understand that I must meet and follow these criteria to be considered as a Partner Family with Tri-County Partners Habitat for Humanity. I also understand that if at any time during the application process, before final approval, any changes occur and I no longer meet the Family Selection Criteria I will notify Tri-County Partners Habitat for Humanity immediately. ____________________________________ _________________ _________________________________ _________________ Applicant Signature Date Co-Applicant Signature Date ____________________________________ _________________________________ Applicant – Print Name Co-Applicant – Print Name