HabiJax Homeownership Program Information - You CAN own a home! - We build strength, stability and self-reliance through shelter.

You CAN own a home!

         HabiJax
     Homeownership
         Program
       Information

We build strength, stability and self-reliance through shelter.

About Habitat for Humanity of
 Jacksonville (HabiJax)
• Founded in 1988
• One of 1,300 affiliates of Habitat for Humanity in US and
  in 70 countries
• Nonprofit Christian ministry
• Works toward our vision by building strength, stability
  and self-reliance in partnership with people and families
  in need of a decent and affordable home.
• Built over 2,300 homes in Duval County, more than any
  other US affiliate

HabiJax Mission & Vision
•   Mission
     Seeking to put God's love into action, Habitat for Humanity brings people
     together to build homes, communities and hope.
•   Global Vision
     A world where everyone has a decent place to live.
•   Local Vision
     HabiJax is a catalyst for comprehensive community engagement and
     transformation in a vibrant city where all residents, neighborhoods, and
     businesses collaborate in its development.

What does homeownership mean to YOU?
       “Owning a home is a keystone of wealth
   — both financial affluence and emotional security.”
                      ~ Suze Orman

 • An asset to pass down to family members
 • Putting money towards a permanent place to live
   rather than a temporary one
 • Taking pride in having a place to call “yours”
 • Owning a house that you can call HOME

Benefits of Purchasing a Home with
HabiJax

•   1% down payment
•   High quality new or existing housing product
•   Affordable mortgage payment
•   Establishes personal wealth

Frequently Asked Questions
HabiJax sells homes to families, right?
CORRECT! Some think that HabiJax houses are given away or donated. HabiJax homeowners qualify for affordable
loans and make monthly mortgage payments repaying the loan, along with property taxes, homeowners insurance
and, if applicable, homeowner's association fees. Your mortgage payment will be 30% or less of your monthly income.

Who does HabiJax sell homes to?
HabiJax is an equal housing lender so anyone who qualify for a loan is eligible to buy a home from us. Our families are
very diverse - single people or parents, and married couples with or without children.

Where does HabiJax build homes?
HabiJax builds in the Urban Core of Jacksonville - the neighborhoods that surround the downtown area. We build here
because these are the areas with the greatest need, and the land is affordable so it helps keep our costs low and the
houses affordable.

Is HabiJax a government program?
No. HabiJax is a local affiliate of Habitat for Humanity, a worldwide nonprofit organization.

• The Hicks Prep Club is an enrichment program for students
  (grades 7-12), who reside in Jacksonville Housing Authority,
  Section 8, and HabiJax properties (Homebuyer’s children are
  included)
• The Prep Club utilizes monthly meetings, a book club, test
  prep, and other programs to assist students in reaching their
  full academic potential
• The Prep Club also offers an incentive program that rewards
  students for their hard work and achievements en-route to
  applying for and becoming Hicks Scholars
• The Program is generously funded by the Hicks family.

Where We Build
• HabiJax builds in the following neighborhoods at
   this time:
   –   New Town (Kings Rd & Myrtle Ave area)
   –   Royal Terrace (45th and Moncrief Rd area)
   –   Phoenix (Phoenix Ave area)
   –   Long Branch (E 21st and Main St area)
   –   Grand Boulevard (off of Moncrief Rd)
   –   Robinson’s Addition (near Jacksonville Farmers Market)
   –   McCoys Creek Area (off of Stockton)
   –   North Riverside (North of I-10)

Removing Blight

  BEFORE

  BEFORE              DEMOLITION

PRINCE STREET 32209

Removing Blight

  BEFORE
  BEFORE
                                      DEMOLITION

PRINCE STREET 32209 – 3/2 RIVERSIDE

EXAMPLES OF HOUSE STYLES
(SUBJECT TO CHANGE)

House Description
•   Houses are approximately 1,000 – 1,350 square feet, one and two
    story homes with vinyl siding, stone, or brick wainscot (border)
•   Central heating and air conditioning
•   Stove, refrigerator, washer and dryer included
•   All rooms are painted off-white
•   Mini-blinds on all windows
•   Ceiling fans in the living room and all bedrooms
•   Wall to wall carpeting except for vinyl in the kitchen, bathrooms, entry
    way and laundry area

Traditional House Styles – Fuller & Barker

3 BEDROOM / 2 BATHROOM   FULL PORCH     ATTACHED STORAGE
1,125 SQUARE FEET        ISLAND OR BREAKFAST BAR IN KITCHEN
ACCESSIBLE FLOORPLAN AVAILABLE          BRICK OR STONE WAINSCOT   opt.

Traditional House Styles – Barker with Garage
3 BEDROOM / 2 BATHROOM   HALF PORCH   1,191 SQUARE FEET

Traditional House Style - Ranch

3 BEDROOM / 2 BATHROOM   COVERED FRONT PORCH     ATTACHED STORAGE
1,125 SQUARE FEET        BREAKFAST BAR KITCHEN   BRICK WAINSCOT

Designer House Styles – Baldwin & Wiley
3 BEDROOM / 2 BATHROOM   FULL PORCH        DECORATIVE GABLE   opt.

1,170 SQUARE FEET        BRICK COLUMNS     DETACHED STORAGE
VAULTED CEILING          ADDITIONAL FLOOR PLANS AVAILABLE

Designer House Style – Sommer
3 BEDROOM / 2 BATHROOM   FULL PORCH        DECORATIVE GABLE   opt.

1,170 SQUARE FEET        BRICK COLUMNS     DETACHED STORAGE
VAULTED CEILING          ADDITIONAL FLOOR PLANS AVAILABLE

Two Story House Style – Pearce B & Pearce C
3 BEDROOM / 2.5 BATHROOM
COVERED ENTRYWAY      BRICK COLUMNS      DECORATE SHAKE GABLE
1,118 SQUARE FEET     DETACHED STORAGE   ½ OR FULL PORCH

Classic House Styles – Craftsman & Klutho
3 BEDROOM / 2 BATHROOM          FULL PORCH              ATTACHED STORAGE
1,205 SQUARE FEET               STONE COLUMNS           BRICK WAINSCOT
AVAILABLE IN 4 BEDROOM / 2 BATHROOM & 5 BEDROOM / 2 BATHROOM (ONLY KLUTHO)

Classic House Styles – Jackson 2
3 BEDROOM / 2 BATHROOM   FULL PORCH   ATTACHED STORAGE
1,375 SQUARE FEET

Attached Town Homes

3 BEDROOM / 2 BATHROOM    COVERED FRONT PORCH     ATTACHED STORAGE
1,500 SQUARE FEET         BREAKFAST BAR KITCHEN   BRICK WAINSCOT
AVAILABLE IN 4 BEDROOM / 2 BATHROOM

HOW TO QUALIFY

Program Criteria
• Ability to pay
• Need
• Willingness to partner

Ability to Pay
• Income must be between 35% and 80% of the median
  income of Duval County
• Credit score of 620 or higher.
• Delinquent debt less than $1,000 (no one account can be
  more than $250)
• If no credit score, you must meet non-traditional credit
  guidelines
• Must be able to make a down payment equal to 1% of the
  purchase price of the home after you have been approved

Income Requirements
       Monthly Gross Income for Duval County
   Occupants of
                    Minimum         Maximum
      House
      One (1)        $1,429          $3,263
      Two (2)        $1,633          $3,729
     Three (3)       $1,838          $4,196
     Four (4)        $2,042          $4,658
      Five (5)       $2,204          $5,033
      Six (6)        $2,367          $5,404
    Seven (7)        $2,533          $5,779
     Eight (8)       $2,696          $6,150

Need
• Inadequate shelter because of problems with
   heating, electricity, water supply, structural safety,
   etc.
• Overcrowding in the household
• Spending more than 40% of income on housing
• Residing in a drug or crime infested neighborhood
• Residing in subsidized housing
• Residence not secured by a lease agreement

Willingness to Partner
• A total of 300 sweat equity hours are required
  from each homebuyer family
• Accept a home in neighborhoods in which
  HabiJax operates
• Owner occupied throughout term of mortgage
• Make monthly mortgage payments on time once
  you have closed

Credit Report Fee
1. If applying online, you can pay online using our easy
   form
2. If submitting a paper form, you may submit your
   payment online or bring a money order or check to the
   office during the application period

Eligibility Process
1.   Submit Interest Form
2.   Appointment scheduled
3.   Submit loan application
     –   A counselor will review your application and your income documentation and will submit your
         file to the bank for loan approval
     –   A search is performed in the National Sex Offender Registry
     –   The bank will work to make sure you meet the income limits, that your debt load is not too
         high, and that your rental history is good
     –   Information submitted to which lender is based on your income
4.   Assessment of need
5.   Approval or denial

*Credit counseling and financial workshops may be scheduled to prepare for application

Homebuyer Process
• Orientation- after loan approval
• Sweat equity
      Total of 300 volunteer hours per homebuyer family
      Can be completed:
         a. On the construction site
         b. At HabiJax Restores
         c. At HabiJax Office
         d. Community Meetings as designated by HabiJax
• 120 day recertification

Homebuyer Process
• Purchasing a home
   – Individual tour and house showings
   – Down payment
        Total of 1% of the Purchase Price
        A minimum of $500 must be paid before eligibility to sign a contract on a
         property
        60 to 120 days to pay the remaining down payment, after signing a contract
         depending upon the construction schedule
• Educational workshops
• Construction of your home
• Closing

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