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Habitat for Humanity of Orange County, NC is accepting applications for our senior housing (age 55+) development in Hillsborough, NC.

Description: Townhouses designed for seniors to live comfortably &

independentlyo No-step entry, accessible bathroom & kitchen, widened

doorways Vibrant community with access to shared greenspace,

community pavilion, and walking paths. Exterior maintenance included in monthly mortgage payment

o Lawn mowing, landscaping, trash removal, roof repair, and yearly power washing,

Built to be energy-efficient in order to reduce monthly bills Located in Hillsborough, NC off of College Park Rd., between

Ashton Woods’ Waterstone development and The Little School Preschool.

Less than one mile from UNC Hospital Hillsborough and near other local amenities.

Eligibility Requirements: Applicant must be age 55 or older Income up to $51,600 may qualify for Habitat’s homeownership program Willingness to partner with Habitat

Complete 275 hours volunteering, participating in educational opportunities, attending community meetings and events—among other opportunities to learn and get involved in the community!

Preference given to those who live or work in Orange County, NC

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Floor Plans Available: *Please note that Habitat for Humanity cannot guarantee a specific floor plan to applicants.

Open floor plan, one bath (576 sq. ft)

One bed, one bath (720 sq. ft)

One bed + bed niche, one bath (792 sq.ft)

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.PRE-QUALIFYING APPLICATION INSTRUCTIONS

1. Please read all information carefully and answer all questions. Write N/A if the question does not apply to you and your family members.

2. Please print clearly and neatly.

3. As applicable, please have each employer complete the verification of employment form for each applicant and return to the Habitat office as soon as possible.

A Habitat for Humanity Senior Housing Applicant is:

i. Anyone age 55 or older.

ii. Anyone with a steady qualifying income.

iii. Anyone who will have sole or part ownership in a home.

4. Please return all pages of the application.

5. Please include all supplemental materials (listed on checklist) with the application.

6. Please sign the application. Any application not signed will not be processed. Applicant will not be notified if application is not signed.

Applications will be accepted while homes remain available.

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At any step in this process for a home you may be denied if it is determined that you do not meet our criteria or do not

fully meet the terms of the Habitat partnership. In an effort to process your application effectively, please follow

these instructions.

Mail or drop-off applications to:HABITAT FOR HUMANITY - ORANGE COUNTY88 Vilcom Center Drive, Suite L110, Chapel Hill, NC 27514

919/932-7077 ext. 213

APPLICATION CHECKLIST

Your application includes these documents:

Completed application. o All questions answeredo Social Security numbers includedo Signatures

Copy of ALL pay stubs for each working applicant for the past 2 months.

o Ex: If you get paid 1x a month, 2 pay stubs; if you are paid 2x a month, 4 pay stubs

o Please black out account numbers

Verification of Employment Form for each working applicant.

o Submit the form to your employer(s) immediately

Copy of documentation of any additional income and assets such as:

_______Social Security

______Social Service

_______Savings ______Investment Portfolio

_______Retirement

______Military Income

_______Property

_______Other(Please explain the source)_____________________

Copy of 2017 Federal Tax Return

o Please black out social security numbersAPPLICATION CHECKLIST (CONTINUED)

If you RENT your residence, Proof of Rental Amount.o Copy of the page of your lease showing the monthly

rental amount-OR -

o Copy of money order, receipt, or cancelled check-OR-

o Letter signed by the owner of the property where you live stating how much you contribute to the household expenses (electric, gas, water, rent) on a monthly basis

If you OWN your residence, Proof of Mortgage Amount.

o Copy of money order receipt or cancelled check stating mortgage payment amount.

o How much you pay in utilities (electric, gas, water) on a monthly basis.

Signed Authorization and Release Form

Identification You must provide valid documentation for each adult (ages 18 or older) living in the household. Expired documentation will not be accepted.

1 Photo ID for all adults who live in the household. For example:

o ID card issued by federal, state or local governmento Valid US Passporto Valid Driver’s License

AND 1 of the following documents for each applicant:o Valid US Social Security Card issued by the SSAo Valid Green Card/I-551o Valid I-94o Other proof of permanent legal residence in the US

60 days of most recent bank statements including all pages

o Include investment and retirement accounts

Misrepresentation of identity is a breach of the HHOC contract.

HABITAT FOR HUMANITY of ORANGE COUNTYPRE-QUALIFYING APPLICATION FOR HOUSING

At any step in this process for a home you may be denied if it is determined that you do not meet our criteria or do not fully meet the terms of the

Habitat partnership.

Are you applying as a single applicant (1 person applying for a mortgage) or as joint applicants (2 people applying for a mortgage)?

Single____ Joint* ____ *If applying joint please fill out both the applicant & co-applicant sections.

APPLICANT QUESTIONSApplicant Name: ___________________________________________________

Date of Birth (MM/DD/YYYY): ________________

Social Security Number: _______-_________-________

Home Phone: ____________ Work Phone: ___________

Cell Phone: __________________

Street Address: ___________________________________________________

City: _____________ State: ______ Zip: _____

Email address: ____________________

Marital Status: Unmarried (including single, divorced, widowed) ____ Married ___ Separated _____

Veteran: Yes ______ No _______

Residency Status: U.S. Citizen _____ Permanent Resident _____ Other (explain): ____________

Please note that applicants must have citizenship or legal, permanent resident status of the U.S. in order to qualify.

PRE-QUALIFICATION 6

PRE-QUALIFICATION 7

APPLICANT QUESTIONS (CONTINUED)Have you lived and/or worked in Orange County, NC for the past 12 months? Yes____ No____

If no, are you connected to Orange County (family, Senior Center, volunteer, etc.)? Yes____ No____

Please describe your connection to Orange County: _____________________________________________________________________________________________________________________________________________________________________

Do you smoke? Yes_______ No_______

Do you have pets? Yes______ No_______

If yes, what kind and how many? ___________________________________________

Employment Information for the past 2 years for the Applicant

Current Employer

Address(City, State,

Zip)

Start Date Hourly Wage & Number of

Hours

Previous Employer


Zip)

Start Date End Date

PRE-QUALIFICATION 8

CO-APPLICANT* QUESTIONS*Only complete this section if you are filing joint. A co-applicant is an additional adult seeking to obtain a mortgage with the applicant.

Co-Applicant Name: ___________________________________________________

Date of Birth (MM/DD/YYYY): ______________________

Social Security Number: _______-_________-________

Home Phone: ____________ Work Phone: ___________

Cell Phone: __________________

Street Address: ___________________________________________________

City: _____________ State: ______ Zip: _____

Email address: ____________________

Marital Status: Unmarried (including single, divorced, widowed) ____ Married ___ Separated _____

Veteran: Yes ______ No _______

Residency Status: U.S. Citizen _____ Permanent Resident _____ Other (explain): ____________

Please note that applicants must have citizenship or legal, permanent resident status of the U.S. in order to qualify.

PRE-QUALIFICATION 9

CO-APPLICANT QUESTIONS (CONTINUED)Have you lived and/or worked in Orange County, NC for the past 12 months? Yes____ No____

If no, are you connected to Orange County (family, Senior Center, volunteer, etc.)? Yes____ No____

Please describe your connection to Orange County: _____________________________________________________________________________________________________________________________________________________________________

Do you smoke? Yes_____ No_____

Do you have pets?

_____ Yes, same pets as applicant

_____ Yes, different pets than applicant

If different pets than applicant’s, what kind and how many? ___________________________________________

______ No

Employment Information for the past 2 years for the Co-Applicant

Current Employer


Zip)

Start Date Hourly Wage & Number of

Hours

Previous Employer


Zip)

Start Date End Date

PRE-QUALIFICATION 10

FAMILY INFORMATIONList all other family members who will live in your home. Do not

include yourself or co-applicant.

Name Date of

Birth

Male/Femal

e

Relationship to you

Social Security Number

(Last four digits)

1.XXX-XX- _________

2.XXX-XX- _________


PROPERTY INFORMATION

If you RENT your residence , How much rent do you pay a month? ______ # Bedrooms ___

Is your rent subsidized? ___________

Do you reside with a relative? _______________

Landlord’s name and address:

____________________________________________

City: ___________________ State: _______ Zip: ___________

Have you owned a home in the past 3 years? ___Yes ___No

If you OWN your residence,

What is your monthly mortgage payment $_____

Unpaid balance $______

Do you own land? __ Yes __ No

(If yes, what is the estimated value?)_________________

Is there a mortgage on the land? __Yes __ No

If yes: Monthly Payment $______ Unpaid Balance $_____


MONTHLY FINANCESAre you obligated to pay child support? Yes____ No____

If yes, how much per month: $_____

Do you own a car? Yes____ No____ If yes, how much is your car payment a month? $_________

Are you currently involved in any lawsuits? Yes____ No____

Debts: To Whom Do You Owe Money?Car payment, furniture payments, credit cards, etc.

Person/Company What are you paying for?

Monthly Payment

Balance

1.

2.

3.

Other Income/Assets:Social Security, Savings, Investments, Alimony, SSI, Work First, Pension, 401k

Who Receives Income: Name

What Kind? Monthly Amount

Date Started

1.

2.

3.

4.


*Please attach another sheet of paper if you have additional debt or income/assets beyond the spaces provided


OTHER INFORMATION

Are you aware if approved that you are required to complete 275 hours of sweat equity? Sweat equity is volunteer work which may include volunteering at the Department on Aging, participating in community meetings, attending educational classes, and/or participating in the construction of your home and other Habitat homes.

Yes____ No____

Would this be a problem for you? (If yes, please explain) ____________________________________________________________________________________________________________________________________________________________________________________________ Does your job require you to work on Saturdays?

Yes____ No____ Sometimes _____ Not applicable______

Tell us about your current situation. Why would you like a Habitat home?

________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________


YOUR APPLICATION IS NOT COMPLETE AND WILL NOT BE PROCESSED UNTIL YOU HAVE SIGNED BELOW.

Applicant’s Signature: ________ __________ Date:

Co-Applicant’s Signature: ___________Date: ________

“We are pledged to the letter and spirit of the 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, or national origin.”


Personal Information Authorization and Release

I/We hereby authorize the release of any personal and financial information requested by Habitat for Humanity of Orange County including, but not limited to:

• employment and income records• credit report• civil litigation records• personal and credit references• social service payment verification• landlord statements• checking and savings account records and balances• Verification of AFDC, Disability, SSI, Food Stamps, etc.• Sex Offenders Register• IRS Tax Return Transcripts• Anti-Money Laundering, Terrorist Funding and Mortgage Fraud

• Section 8 and Housing Choice Voucher Program

In addition, if I qualify as a Habitat homeowner, I authorize Habitat for Humanity of Orange County to secure a credit report at any time during the term of the mortgage. A photographic copy of this authorization may be deemed to be the equivalent of the original and may be used as a duplicate original.

I/we certify that all of the information on this form is correct and true to the best of my/our knowledge. I/we understand that false or misleading information may be grounds for disqualification.

_____________ _______ Applicant’s Signature Date Social Security Number


_____________ _______ Co-Applicant’s Signature Date Social Security Number


INFORMATION FOR GOVERNMENT MONITORING PURPOSES

The following information is requested by the Federal government for loans related to the purchase of homes, in order to monitor the Lender’s compliance with the equal credit opportunity and fair housing laws. You are not required to furnish this information, but are encouraged to do so. The law provides that a Lender may neither discriminate on the basis of the information, nor on whether you choose to not furnish it. However, if you choose not to furnish it, under federal regulations this lender is required to note race and sex on the basis of visual observation or surname. If you do not wish to furnish the above information, please check the box below. (Lender must review the above material to assure the disclosures satisfy all requirements to which the Lender is subject under applicable state law for the loan applied for.

Applicant

Race: I do not wish to furnish this information. American Indian or Alaskan Native Asian White Native Hawaiian/Pacific Islander Black or African American American Indian or Alaska Native & White Asian & White Black or African American & White American Indian/Alaska Native & Black/African American Other Multi-Racial (specify)_____________

Ethnicity: Hispanic or Latino Non-Hispanic or Latino


Sex: Female Male

Co- ApplicantRace:

I do not wish to furnish this information. American Indian or Alaskan Native Asian White Native Hawaiian/Pacific Islander Black or African American American Indian or Alaska Native & White Asian & White Black or African American & White American Indian/Alaska Native & Black/African American Other Multi-Racial (specify)_____________

Ethnicity: Hispanic or Latino Non-Hispanic or Latino

Sex: Female Male

To Be Completed by Affiliate:


This Application was taken by:

Face to face interview

Mail Telephone

Received by (print or type name)_______________________________Signature Date

Dear Habitat Homebuyer,

As your mortgage lender, Habitat for Humanity, Inc., of Orange County, is required by law to let you know how we protect your non-public personal information.

1. We collect the following kinds of non-public personal information about you:

Information we receive from you on applications and other forms

Information about your transactions with us or others Information we receive from consumer reporting agencies

2. We may disclose the following kinds of non-public personal information about you:

Information we receive from you on applications and other forms

Information about your transactions with us or others Information we receive from consumer reporting agencies.

3. We only disclose that information to: Habitat agents and employees that need to know the

information in order to provide services to you, such as the Family Services Committee.


Other non-profit or governmental agencies, such as Orange County Housing, Human Rights and Community Development and N.C. Housing Finance Agency, if applicable. They are both a funding source for Habitat for Humanity of Orange County; therefore this information is exempt and cannot be “opted out.”

Other third parties as permitted by law, such as mortgage service agents, our attorneys, and our accountants/auditors.

4. We do not disclose any nonpublic personal information about you to anyone except as permitted by law.

5. We guard your non-public personal information with physical, electronic, and procedural safeguards that comply with federal regulations.

Our employees and volunteers are subject to a written policy regarding confidentiality, and access to applicant data is restricted to staff and volunteers on an as-needed basis. Information is used for lawful business purposes and is never shared with third parties without your consent, except as permitted by law. Habitat for Humanity of Orange County has no affiliation with marketing experts with whom we share personal information.


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