Lakeshore Habitat for Humanity

Lakeshore Habitat for Humanity is based on the principle that all God's people deserve a decent place to live and that our community is a better place when that occurs.

Watch for the mandatory orientation meeting that will be held at the Herrick District Librar, southside downtown location. The date and time for the next orientation meeting is to be determined.

Habitat for Humanity is not a give away program. Houses are sold to Homeowner Partners without profit and without interest through a low down payment/no interest loan paid over 15-25 years. These payments, together with donations, support the construction of homes for more Habitat partners.

The selection of Homeowner Partners is done by our volunteer Homeowner Selection Team using standard selection criteria in a way that does not discriminate on the basis of race, gender, age, handicap, religion, marital status or because all or a part of the applicant's income is derived from public assistance programs. Selection Criteria

Income Guidelines for Ottawa County

Family Size	Qualifying Income 30% AMI to 50% AMI
1 person	$14,950 - $24,950
2 persons	$17,150 - $28,450
3 persons	$19,200 - $32,000
4 persons	$21,350 - $35,500
5 persons	$23,050 - $38,400
6 persons	$27,750 - $41,250
7 persons	$26,450 - $44,100
8 persons	$28,200 - $46,950

Need:	Substandard, inadequate, overcrowded housing. Living in an area where drug use or crime is a problem. Housing costs are too high compared to income.
Willingness to partner:	Save a $1,200 down payment by move-in date. Complete sweat equity hours (250-500 hours) on your house and other homeowner partners' houses. Participate in homeownership education classes. Work with Habitat staff and volunteers. Make timely mortgage payments. Have lived in the service area at least one year. Applicants should be legal residents of the United States.
Ability to pay:	Income that fits within the guidelines (30-50% of area median income). Reasonable credit history. Plan to pay off collections and judgments before closing on home. Participate in budget planning. No bankruptcy within one year of application. Must not be able to qualify for a conventional mortgage.