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In Early 2016, Habitat for Humanity: Calcasieu Area Inc. will host an open enrollment seminar for residents interested in applying for 2016 Habitat homes.
Habitat plans on building several two-and-three bedroom homes in Southwest Louisiana in 2016, 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 at the Habitat office, 3551 Avenue C, Lake Charles. Call the office at 337-497-0129 and leave your name and contact information. We will contact you with the dates of the next open enrollment.
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: A member of the staff will review your application for completeness
Step 6: A background and Sex Offender Registry check will be done.
Step 7: A home visit with applicant will be done by the Family Selection Community Members.
Step 8: Final Review: Denial or Approval by the board of directors for HFHCA.
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, 120 hours must be completed by the family itself. Families can apply credit hours (time put in by friends and family on their behalf).
You must be a legal resident of United States, and a Louisiana resident.
Frequently Asked Questions:
1.How long does it take to get a home?
The application process takes 3 to 6 months.
If you are a approved then there will be selection committee to make home visits.
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.
2015 Adjested Median income for Calcasieu (HUD) FY 2015 AMI Chart
||30% Median (Calcasieu)
||60% Median (Calcasieu)
If you would like to learn more about homeownership, call us (337) 497-0129
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.