myth

Habitat gives away free homes to the poor.

fact

Habitat sells homes at zero percent interest to those who qualify.

helping make your homeownership dream a reality

Habitat for Humanity of Pinellas County (HfHPC) builds homes with people in our community and sells the houses at no profit and no interest to households who otherwise could not afford to own a home. The program also prepares partner families to be successful homeowners.

step 1

qualification criteria

To apply for a home, you must meet the following criteria*:

FIT WITHIN OUR SPECIFIC INCOME range.

# IN HOUSEHOLD MINIMUM YEARLY INCOME (Gross) MAXIMUM YEARLY INCOME (Gross)
1 $12,558 $33,488
2 $14,352 $38,272
3 $16,146 $43,056
4 $17,940 $47,840
5 $19,375 $51,667
6 $20,810 $55,494
7 $22,246 $59,322
8 $23,681 $63,149

*As of April 2017

The income level required is based on the number of people who would be living in the home. This is between 30 percent and 80 percent of the Area Median Income (AMI) for Pinellas County (the numbers are based on guidelines adjusted each year and defined by the U.S. Department of Housing and Urban Development (HUD)). These figures include all forms of income: employment, public assistance, social security, disability, child support, etc. The ranges above reflect the 2017 HUD guidelines.

HAVE A HOUSING NEED.

Are you living in conditions such as:

- Overcrowded conditions
- Unsafe, unsanitary conditions
- Substandard housing - with a leaky roof, poor heating or lacking proper plumbing
- Paying a very high percentage of your income for rent (more than 30 percent)

LIVED OR WORKED IN PINELLAS FOR AT LEAST ONE YEAR.

HAVE ONE YEAR OF STEADY, RELIABLE INCOME.

HAVE REASONABLY GOOD CREDIT.

We don't require perfect credit. We consider families who demonstrate the ability to make regular payments on their bills.

If you do not meet these requirements, exceptions are rare and would be made on a case-by-case basis. You also can find more affordable housing information by visiting www.floridahousingsearch.org.

step 2

things to consider

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Here is some basic information about how the program works. Part of the application process includes a special Homeowner Orientation where applicants get lots of information and the opportunity to ask questions. Attendance of the Homeowner Orientation class is not required in order to receive an Application for Homeownership.

Habitat Pinellas builds single-family homes and townhouses. We also rehabilitate existing homes. All homes come with our standard Homeowners Warranty and are Energy Star rated. Depending on the size of your family when you apply, we build homes with two to six bedrooms and one or two bathrooms. See some of our homes and where we are building now:

St. Pete, 3425 Morris St.

We are building for the Rodriguez/Montalvo family! This home is being sponsored by HSN. Construction should be completed by may, 2016.

Seminole, 8317 94th Ave.

We are building for the Clark family! Construction should be completed by May, 2016.

Clearwater, 1304 Milton St.

We are building for the Burrell family! This home is being sponsored by Raymond James. Construction should be completed by June, 2016.

St. Petersburg, 3761 42nd Ave. N.

We are building for the Lopez family! Construction should be completed by June, 2016.

St. Petersburg, 3769 42nd Ave. N.

We are building for the Koller/Luxa family! Construction should be completed by June, 2016.

St. Petersburg, 2430 22nd St. S.

We are building for the Ortiz family! This home is sponsored by Transamerica. Construction should be completed by June, 2016.

St. Petersburg, 3765 42nd Ave. N.

We are building for the Camp family! Construction should be completed by June, 2016.

Clearwater, 1885 Duller Dr.

We are building for the Geter family! Construction should be completed by June, 2016.

St. Petersburg, 1855 35th St. S.

We are building for the Squire family! Construction should be completed by July, 2016.

Largo, 3221 Hillsdale Ave.

We are building for the Bacaltos family! Construction should be completed by July, 2016.

St. Petersburg, 4354 19th St. N.

We are building for the Brown family! This home is sponsored by Habitat's 2016 BLUEPRINT "Great Gardens" Gala. Construction should be completed by July, 2016.

St. Petersburg, 4350 19th St. N.

We are building for the Restrepo family! This home is sponsored by Habitat's 2016 BLUEPRINT "Great Gardens" Gala. Construction should be completed by July, 2016.

Safety Harbor, 712 Booth St.

We are building for the Maloku family! This home is sponsored by Valspar Championship presented by BB&T.

Clearwater, 1882 Fuller Dr.

We are building for the McCrory family! This home is sponsored by Habitat's 2015 Golf Tournament. Construction should be completed by August, 2016.

Habitat for Humanity builds throughout Pinellas county, in places where we can find affordable land. The Application for Homeownership includes a section where you choose a preference for either north county or south county. (Ulmerton Road is the dividing line.) Once you have completed 100 hours of sweat equity, we will meet with you to review available locations.

The length of time it takes to complete the program varies and is really dependent on how quickly you can meet your requirements. You must attend 16 homeownership classes, complete 350 to 450 sweat equity hours and save for closing costs ($500) and for your first year’s insurance (approximately $1,000 to $1,500). On average, homeowner candidates take one year to complete our program. Some candidates have done it in half that time, and others have taken two or more years. To keep you on track, you are required to put in a minimum number of hours each month and attend at least two classes each quarter.

Because of volunteer labor and donations from organizations and individuals, Habitat homes are sold to homeowners at no profit. Also, they are financed with a zero-interest, 25- to 35-year mortgage.

Depending on the value of the land, on an average, a three-bedroom Habitat home will have monthly payments ranging from $664 to $720, which includes taxes and insurance.

Sweat equity is an exciting cornerstone to the Habitat program. Hours can be earned by volunteering on our construction sites, in the Habitat office and at Habitat’s ReStore.

step 3

how to apply

1

After you have reviewed the links in step 1 and step 2:
Complete the Homeowner Pre-Qualification Form.

 

2

Your form will be reviewed and scored. If your score is high enough, you will be invited to a Homeowner Orientation, where you will be given an Application for Homeownership.

 

3

Complete your Application for Homeownership, gathering the appropriate documents.

 

4

Once you submit your completed application, our Homeowner Services Committee will review your information. We will verify employment and other sources of income, have a credit/background check done and ask you for credit references. Your long-term debt, including your expected Habitat housing cost, must be below a certain threshold. (The review process may take two to three months.)

 

5

A home visit and interview is part of the selection process.

step 4

once you are approved

You will be asked to sign a Covenant, or Partnership Agreement, which states the specifics of the program and your roles and responsibilities.

Sweat equity begins. Single-adult households are required to complete a minimum of 350 sweat equity hours. Multiple-adult households are required to complete a minimum of 450 sweat equity hours. Homeowner candidates work in the office and on other families' homes, before starting their own home.

You must complete 16 homeownership classes and contribute $500 toward closing costs. This is accomplished with monthly payments of $65. You will also be required to have homeowners insurance paid in full at the time of closing (a cost of approximately $1,000 – $1,500).

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