{"id":3524,"date":"2016-06-24T13:43:06","date_gmt":"2016-06-24T20:43:06","guid":{"rendered":"\/?page_id=3524"},"modified":"2017-03-29T14:01:50","modified_gmt":"2017-03-29T21:01:50","slug":"homeownership-faq","status":"publish","type":"page","link":"https:\/\/tillamookhabitat.org\/homeownership-faq\/","title":{"rendered":"Homeownership Frequently Asked Questions"},"content":{"rendered":"  <div id=\"page-header-214037625\" class=\"page-header-wrapper\">\n  <div class=\"page-title dark featured-title\">\n\n    \n    <div class=\"page-title-inner container align-center flex-row medium-flex-wrap\" >\n              <div class=\"title-wrapper flex-col text-left medium-text-center\">\n          <h1 class=\"entry-title mb-0\">\n            Homeownership Frequently Asked Questions          <\/h1>\n        <\/div>\n                    <div class=\"title-content flex-col flex-right text-right medium-text-center\">\n        <div class=\"title-breadcrumbs pb-half pt-half\"><\/div>      <\/div>\n    <\/div>\n\n       <\/div>\n    <\/div>\n  \n<div class=\"row\"  id=\"row-1557441517\">\n\n\t<div id=\"col-312430725\" class=\"col medium-8 small-12 large-8\"  >\n\t\t\t\t<div class=\"col-inner\"  >\n\t\t\t\n\t\t\t\n\t<div id=\"gap-1505211286\" class=\"gap-element clearfix\" style=\"display:block; height:auto;\">\n\t\t\n<style>\n#gap-1505211286 {\n  padding-top: 30px;\n}\n<\/style>\n\t<\/div>\n\t\n<p>The answers to these questions do not represent your ability to qualify or not for the program. We encourage you to complete the <a href=\"https:\/\/bendhabitat.org\/eligibility\/\" target=\"_blank\"><u>Eligibility Questionnaire<\/u> <\/a>and attend one of our <a href=\"https:\/\/bendhabitat.org\/homeownership\/information-sessions\/\" target=\"_blank\"><u>Housing Information Sessions<\/u><\/a><\/p>\n<div class=\"accordion\" rel=\"\">\n<div class=\"accordion-item\"><a href=\"#\" class=\"accordion-title plain\"><button class=\"toggle\"><i class=\"icon-angle-down\"><\/i><\/button><span>Q. I thought Habitat was only for really low income people. I have a good job at the hospital and I have been pre-qualified for a loan amount of $200,000 but I can\u2019t find a home to buy. Can I apply for the Habitat program?<\/span><\/a><div class=\"accordion-inner\">\n<p>Answer- Yes. Bend Habitat serves a broader income range than people might realize. For example, a household size of three can earn between $1.700 and $3,400 per month and potentially qualify for our\u00a0 program. We encourage you to attend an information session and learn more..<\/p>\n<\/div><\/div>\n<div class=\"accordion-item\"><a href=\"#\" class=\"accordion-title plain\"><button class=\"toggle\"><i class=\"icon-angle-down\"><\/i><\/button><span>Q. I think I fit within your income guidelines. I have three children. However, I also live with my disabled partner. What do we use as our family size and income amount?<\/span><\/a><div class=\"accordion-inner\">\n<p>Answer- The income per month is unclear (we do not know how much disability income your partner receives and\/or if it is permanent income or not) and we are not sure if you will be living together in the Habitat house. Refer to the income guidelines for a family of 4 or 5, and come to the next information session.<\/p>\n<\/div><\/div>\n<div class=\"accordion-item\"><a href=\"#\" class=\"accordion-title plain\"><button class=\"toggle\"><i class=\"icon-angle-down\"><\/i><\/button><span>Q. My spouse works on a farm and I am a stay-at-home mom. His income is within the guidelines but he does not have a green card but I am a U.S. citizen. Can we buy a Habitat house?<\/span><\/a><div class=\"accordion-inner\">\n<p>Answer-No, our policy is that the main income earner must have permanent residency or be a U.S. citizens to qualify.<\/p>\n<\/div><\/div>\n<div class=\"accordion-item\"><a href=\"#\" class=\"accordion-title plain\"><button class=\"toggle\"><i class=\"icon-angle-down\"><\/i><\/button><span>My roommate and I want to buy a house together. Do we qualify?<\/span><\/a><div class=\"accordion-inner\">\n<p>Answer- Possibly. We are an equal housing lender and as long as all guidelines are met it is possible. We encourage you to apply.<\/p>\n<\/div><\/div>\n<div class=\"accordion-item\"><a href=\"#\" class=\"accordion-title plain\"><button class=\"toggle\"><i class=\"icon-angle-down\"><\/i><\/button><span>My roommate and I want to buy a house together. Do we qualify?<\/span><\/a><div class=\"accordion-inner\">\n<p>Answer- Possibly. We are an equal housing lender and as long as all guidelines are met it is possible. We encourage you to apply.<\/p>\n<\/div><\/div>\n<div class=\"accordion-item\"><a href=\"#\" class=\"accordion-title plain\"><button class=\"toggle\"><i class=\"icon-angle-down\"><\/i><\/button><span>Q. I am a single mom with two children, and my 10-year old daughter receives permanent disability income of $354 per month. Do we qualify?<\/span><\/a><div class=\"accordion-inner\">\n<p>Answer-\u00a0 Because your child\u2019s disability income will be stable for three of more years we can include it in your income calculations, which we can then check against the current year income guidelines for your family size. However, we would also need to review your monthly debt to be sure you debt to income ratio also fits our guidelines.<\/p>\n<\/div><\/div>\n<div class=\"accordion-item\"><a href=\"#\" class=\"accordion-title plain\"><button class=\"toggle\"><i class=\"icon-angle-down\"><\/i><\/button><span>Q. I am a single person living alone and just returned to the workforce after going back to school. The only debt I will have will be my school loans and I am currently on an income-based repayment (IBR) plan of $0 per month. I have to report my income every year. Can I qualify for a Habitat home?<\/span><\/a><div class=\"accordion-inner\">\n<p>Answer-\u00a0 We would need to see your income verification and any documentation you have on your IBR plan. Typically, if we do not have verification of the payment plan, we would look at school loans as a percentage of the total loans (usually about 1.5% of the total as an estimated monthly payment). Habitat does not disqualify applicants based on family size as we follow the Federal Fair Housing laws.<\/p>\n<\/div><\/div>\n<div class=\"accordion-item\"><a href=\"#\" class=\"accordion-title plain\"><button class=\"toggle\"><i class=\"icon-angle-down\"><\/i><\/button><span>Q. My husband\u2019s mother lives with us and we have one daughter in high school. Can we all live in a Habitat home together?<\/span><\/a><div class=\"accordion-inner\">\n<p>Answer- Yes, as long as you meet the guidelines. We will look at the income of all the adults in the household. Refer to the <span style=\"text-decoration: underline; color: #3366ff;\"><a style=\"color: #3366ff; text-decoration: underline;\" href=\"https:\/\/bendhabitat.org\/wp-content\/uploads\/2016\/06\/Income-Guidelines-2016.pdf\">income-guidelines-2016<\/a><\/span><\/p>\n<\/div><\/div>\n<div class=\"accordion-item\"><a href=\"#\" class=\"accordion-title plain\"><button class=\"toggle\"><i class=\"icon-angle-down\"><\/i><\/button><span>Q. How much will I pay for a Habitat Home?<\/span><\/a><div class=\"accordion-inner\">\n<p>Answer-\u00a0 Our sales price is set based on a home appraisal. However, your mortgage will be set based on your affordability, typically no more than 33% of your gross income at the time of the home loan application.<\/p>\n<\/div><\/div>\n<div class=\"accordion-item\"><a href=\"#\" class=\"accordion-title plain\"><button class=\"toggle\"><i class=\"icon-angle-down\"><\/i><\/button><span>Q. Will I be able to sell my Habitat house?<\/span><\/a><div class=\"accordion-inner\">\n<p>Answer- Yes, but there are resale restrictions. Habitat has the right of first offer and there is a shared appreciation model.<\/p>\n<\/div><\/div>\n<\/div>\n\t<div id=\"gap-334258168\" class=\"gap-element clearfix\" style=\"display:block; height:auto;\">\n\t\t\n<style>\n#gap-334258168 {\n  padding-top: 30px;\n}\n<\/style>\n\t<\/div>\n\t\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\n\t\n\n\t<div id=\"col-2031267100\" class=\"col medium-4 small-12 large-4\"  >\n\t\t\t\t<div class=\"col-inner\"  >\n\t\t\t\n\t\t\t\n\t<div class=\"img has-hover x md-x lg-x y md-y lg-y\" id=\"image_355685026\">\n\t\t\t\t\t\t\t\t<div class=\"img-inner dark\" >\n\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"1020\" height=\"612\" src=\"https:\/\/tillamookhabitat.org\/wp-content\/uploads\/2016\/06\/FAQs-1030x618.jpg\" class=\"attachment-large size-large\" alt=\"FAQs FAQ Frequently Asked Questions Homeownership\" srcset=\"https:\/\/tillamookhabitat.org\/wp-content\/uploads\/2016\/06\/FAQs-1030x618.jpg 1030w, https:\/\/tillamookhabitat.org\/wp-content\/uploads\/2016\/06\/FAQs-800x480.jpg 800w, https:\/\/tillamookhabitat.org\/wp-content\/uploads\/2016\/06\/FAQs-768x461.jpg 768w, https:\/\/tillamookhabitat.org\/wp-content\/uploads\/2016\/06\/FAQs.jpg 1200w\" sizes=\"(max-width: 1020px) 100vw, 1020px\" \/>\t\t\t\t\t\t\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\n<style>\n#image_355685026 {\n  width: 100%;\n}\n<\/style>\n\t<\/div>\n\t\n<div class=\"wpb_text_column wpb_content_element \">\n<div class=\"wpb_wrapper\">\n<h3><a href=\"https:\/\/bendhabitat.org\/homeownership\/homeowner-inquiry-form\/\" target=\"_blank\">Yes, I\u2019m interested- click here for the inquiry form<\/a><\/h3>\n<p><strong>If you have specific questions please contact: <\/strong><\/p>\n<p><strong>Homeowner Services Department<\/br><br \/>\nPhone: 541-385-5387<\/br><br \/>\nDeeDee Johnson, ext. 103<\/br><br \/>\nCatalina Frank (Spanish-Speaking), ext. 108<\/strong><\/p>\n<\/div>\n<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\n\t\n<\/div>\n","protected":false},"excerpt":{"rendered":"","protected":false},"author":8,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"xn-wppe-expiration":[],"xn-wppe-expiration-action":[],"xn-wppe-expiration-prefix":[],"footnotes":""},"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v18.1 (Yoast SEO v18.2) - 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