A new lease on life...

Habitat for Humanity Monterey County selects families who live in substandard or overcrowded housing and whose income is between 50 and 80 percent of our regional median income, placing the focus on families who would have very little chance of becoming homeowners without Habitat. Habitat families are selected based on need for housing, ability to pay the mortgage, and willingness to partner with Habitat to build houses.

Our families take great pride in their homes. The families' success as homeowners can be measured in many ways. One can see it in the good care they take of their homes. Children's grades and personal expectations for their own lives often improve when they move from a substandard, crowded or high-crime situation into a simple, decent affordable home. Partner families gain not only equity, but also personal confidence and satisfaction from helping to build a house and then becoming proud homeowners.

Habitat Monterey is not currently accepting questionnaires. Please
check back when we are in a position to do do.

 

Selection Guidelines

  • We do not discriminate against any person because of race, color, religion, sex, handicap, family status, or nationality
  • The family must be a first-time homebuyer
  • The family must meet Habitat's current income guidelines
  • The family cannot qualify for conventional real estate financing
  • The family must show a history of steady income and an ability to repay the loan
  • The applicant, co-applicant, and additional wage earners must be permanent residents or citizens of the United States
  • Families are not selected until the property has been secured
  • The families will be selected from within Monterey County
  • At least 250 hours of “sweat equity” is required per capable adult resident in building the home, as well as the willingness and ability to maintain the home properly

Income Guidelines

Family income cannot exceed California State HUD limits for “very low” (50%) or “low” (80%) percentages of Monterey County Average Annual Income for 2011:

  • 3 - $30,550-$48,850
  • 4 - $33,900-$54,250
  • 5 - $36,650-$58,600
  • 6 - $39,350-$62,950
  • 7 - $42,050-$67,300

In addition, families should have a reliable source of monthly income approximately four times the expected Habitat house payment. Based on our current construction cost estimates, family monthly  income should be at least $3,225; family annual income should be at least $38,700.