Habitat for Humanity of Glynn County GA, Inc.
Habitat for Humanity’s mission is to eliminate substandard, unsafe and overcrowded housing in Glynn County by building and selling houses to low income families that would be unable to acquire a mortgage by other means. To make this happen, four major components must come together – A qualified homeowner, a buildable lot, volunteers and funding.
The requirements for homeownership are: Need; Ability to pay; and Willingness to partner with Habitat for Humanity.
The first requirement is that the family has a need, meaning that they are currently living in substandard, unsafe or overcrowded housing. Once a family’s application has been accepted, members of the Family Select Committee visit the current living space to validate the need. The family must have been a resident of Glynn County for at least one year. The family‘s income should be approximately 60 percent of the median family income of the local population.
The family must also demonstrate their ability to make the monthly payment; including the mortgage, taxes and insurance. A typical monthly payment for a new home is calculated by dividing the cost of construction (using volunteer labor) by the number of months in the mortgage. There is no interest charge. For example, if the cost is $65,000 to build a house and the mortgage is for 25 years, the monthly mortgage is about $217. With escrow for property taxes and insurance, the monthly payment is under $350. During the application process, the family’s credit is checked and current budgets are prepared and compared to an anticipated homeowner’s budget.
Once the family has been selected and approved by the Habitat for Humanity Board of Directors they become a “Partner Family”. Each adult in these families must work at least 300 hours to build “sweat equity.” Fifty of these hours must be performed on other Habitat for Humanity homes before construction of their home. The family must participate in 10 hours of personal financial education. The family is also responsible for maintenance and repairs of their own home.
For further information, and to apply to become a Habitat for Humanity partner family, contact the Habitat for Humanity office at 912-265-7455, or email housing@habitatglynncounty.org.
The requirements for homeownership are: Need; Ability to pay; and Willingness to partner with Habitat for Humanity.
The first requirement is that the family has a need, meaning that they are currently living in substandard, unsafe or overcrowded housing. Once a family’s application has been accepted, members of the Family Select Committee visit the current living space to validate the need. The family must have been a resident of Glynn County for at least one year. The family‘s income should be approximately 60 percent of the median family income of the local population.
The family must also demonstrate their ability to make the monthly payment; including the mortgage, taxes and insurance. A typical monthly payment for a new home is calculated by dividing the cost of construction (using volunteer labor) by the number of months in the mortgage. There is no interest charge. For example, if the cost is $65,000 to build a house and the mortgage is for 25 years, the monthly mortgage is about $217. With escrow for property taxes and insurance, the monthly payment is under $350. During the application process, the family’s credit is checked and current budgets are prepared and compared to an anticipated homeowner’s budget.
Once the family has been selected and approved by the Habitat for Humanity Board of Directors they become a “Partner Family”. Each adult in these families must work at least 300 hours to build “sweat equity.” Fifty of these hours must be performed on other Habitat for Humanity homes before construction of their home. The family must participate in 10 hours of personal financial education. The family is also responsible for maintenance and repairs of their own home.
For further information, and to apply to become a Habitat for Humanity partner family, contact the Habitat for Humanity office at 912-265-7455, or email housing@habitatglynncounty.org.
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