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Habitat for Humanity: Calcasieu Area Inc. will host an open enrollment seminar for residents interested in applying for 2014 Habitat homes.
This enrollment seminar will be held 5 p.m. Thursday, Nov. 14 at Zion Tabernacle Baptist Church, 910 North Shattuck St., Lake Charles.
Habitat plans on building several two-and-three bedroom homes in Southwest Louisiana in 2014, including one for a local veteran and their family, according to Lenn Knapp, Calcasieu Habitat’s Executive Director.
“Habitat is not a government giveaway program,” Knapp said. “Homeowners are required to pay back to Habitat the fair market value of materials, contract services and cost of land for a 25-year period,” Knapp said. “Habitat does not charge interest on loans, which makes it affordable for homeowners. They’re also contributing to the building of future Habitat homes by their monthly payments. We are simply giving a helping hand to those in need of housing and who cannot normally afford a conventional commercial loan. ”
Residents may pick up applications in advance of the seminar at the Habitat office, 3551 Avenue C, Lake Charles. Completed applications will be accepted at the enrollment seminar and at the Habitat office through Nov. 25 2013.
Steps to becoming a Habitat homeowner:
Step 1: Obtain an application from Habitat for Humanity. Upon receipt of the completed application and all items requested. you will be notified of your eligibility.
Step 2: Return completed signed application and credit report fee. You will also need to submit all necessary Proof of Income. Include four most recent check stubs if employed and proof of all other forms of normal monthly income received.
Step 3: Attend meeting with family Services Manager upon request.
Step 4: Submit all required financial and other information by deadline you are given at meeting.
Step 5: Evaluation of application by Habitat Family Selection personnel.
Step 6: Background and Sex Offender Registry check.
Step 7: Home visit of applicant's current home by Habitat Family Selection Personnel.
Step 8: Final Review: Denial or Approval
Criteria for Selection:
You must have a NEED FOR HOUSING and be unable to obtain conventional financing due to limited income.
You must have enough income to REPAY THE HABITAT MORTGAGE and your monthly living expenses, and you must have an acceptable credit history.
You must be WILLING TO PARTNER with Habitat which includes working at least 300 hours for single applicants and 300 hours for dual applicants, to help in building Habitat homes, however, hours must be completed in Lake Charles. Families can apply credit hours (time put in by friends and family on their behalf).
You must be a legal resident of United States. Some residency requirements applicable.
Open to all Louisiana residents.
Frequently Asked Questions:
1.How long does it take to get a home?
The application process takes 3 to 5 months.
2.What about my credit?
If you have had problems with your credit in the past we recommend you begin working on repairing your credit 6 to 8 months before you apply. Contact an agency such as Consumer Credit Counseling Services for FREE counseling advice.
We will also run a background and sex offender check on you after your financial review.
3.Where does Habitat build?
Habitat builds homes on lots we own.
Year 2013 Guidelines (Calcasieu Parish Median Family Income $53,900.00) (Median Family Income of other Parishes will vary)
||30% Median (Clacasieu)
||80% Median (Calcasieu)
If you would like to learn more about homeownership, call us (337) 497-0129 or complete the online interest form and we will contact you. If you would like to apply for a Habitat home please print and complete the application and the background check form. Click here for application and Click here for background check form. Upon completion of application please return along with all requested documentation. Your background check will be mailed directly to our office.
We are pledged to the letter and spirit of U.S. 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, national origin, age, marital status, sexual orientation, or sources of income.