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CHRISTIAN LIFE IN LONDON | NOVEMBER 2020 EDITION
Looking for London & St Thomas Families for the Habitat for the Humanity Heartland Homeownership Program
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Habitat for Humanity Heartland Ontario is now accepting applications from families in London and St. Thomas and also from individuals in London for our homeownership program. This may not apply to you but perhaps you know of a worthy family at your church or ministry. If so, just forward them this article or have them visit the Habitat for Humanity Heartland Ontario web site directly.

A non-profit homebuilder, Habitat for Humanity Heartland Ontario partners with low-income families and individuals, who cannot afford a conventional mortgage, to build and buy simple, decent quality, affordable homes through a no-interest, no-down payment mortgage. With monthly payments set at 25% of the total household income, the Habitat homeownership solution not only helps to provide affordable housing for people in need, it enables low-income earners to build assets, reduce their dependence on other forms of social assistance and break the cycle of poverty. Homeowners who will own a Habitat Heartland Ontario home are part of a complex selection process.

Habitat Heartland Ontario homeowners are selected, in large part, based on their level of need. Applicants will be considered for a Habitat home if their present housing is not adequate and if they are unable to afford adequate housing through other conventional means.

Factors for consideration: o Applicants must be able to show proof of stable income for a minimum of 2 years o Current living conditions are overcrowded, unsafe or unhealthy (e.g. inadequate structure, unsafe wiring, heating, water, poor sanitation, etc.) o Housing costs are too high (i.e. basic shelter costs are more than 25% of total household income) o Barriers exist for physically challenged family members o Each member of the household is either a Canadian Citizen or a permanent resident of Canada

Habitat Heartland Ontario does not give homes away for free. Families must have a reliable source of income and demonstrate their ability to meet the obligations of homeownership plus any other debt obligations. All mortgages are fair market value and held by Habitat Heartland Ontario and have 0% interest and require no down-payment.

1. Total household income must not exceed the affordability income ranges identified for each new build project. *Habitat will determine the number of bedrooms required based on the age and gender of the children living in the home. 2. Employment Insurance (EI) or Ontario Works (OW) are not acceptable sources of income 3. Applicants will be asked to submit to a current credit reference check that shows a good credit history as well as other required documentation from employers, landlords, banks and credit lenders to confirm reliability of income 4. Applicants must be clear from collections for six or more months and can demonstrate that they are able to rebuild their credit and manage their budget 5. Applicants must not have debt larger than 40% of the annual household income, including all household debt plus estimated monthly mortgage/taxes and property insurance 6. Applicants who have filed for bankruptcy must be fully discharged for at least two years before applying to Habitat for Humanity Heartland Ontario. Applicants need to have demonstrated in those two years they are able to rebuild their credit 7. An applicant must demonstrate a minimum of 2 years of steady income. Income of all household members over the age of 18 shall be included in total household income except: o GST Rebate o Ontario Works (OW) benefits o Workplace Safety Insurance Board (WSIB) temporary benefits o Employment Insurance (if parental leave, re-evaluate after re-employment) o Child Disability Benefit (CDB) benefits o Part-time income of a fulltime student o Overtime and bonuses which are unpredictable or a one-time event 8. Self-employment Income - An applicant should demonstrate consistent, verifiable income over a 3-year period by providing balance sheets, income statements & evidence that all income taxes are paid 9. Selection will not be based on future earnings

Willingness to partner Habitat for Humanity Heartland Ontario helps eligible low-income families and individuals build and buy simple, decent quality affordable homes through a no-interest mortgage with payments set at approximately 25 percent of gross income. This solution not only helps to provide affordable housing for people in need, it enables low-income earners to build assets, reduce their dependence on other forms of social assistance and build strength, stability and self-reliance. We invite you to join us. By working together, we can build great things. Get involved today by contacting us at: info@habitat4home.ca

Those who feel they may qualify for a Habitat home must complete the simple eligibility quiz to determine if they should go forward with the full application process.

Find out how you can qualify for our upcoming home build project.

Learn how to become a Habitat homeowner on the Habitat for Humanity Heartland Ontario website. Click HERE.

Begin the application process through our online eligibility quiz. Click HERE

Habitat for Humanity Heartland Ontario Affiliate Office
519-455-6623
519-455-8479 (fax)
2-40 Pacific Court
London, Ontario
Mon-Fri 9 a.m. to 5 p.m.
(closed all statutory holidays)






COMMUNITY DIRECTORY