HFHMCA is a Christian organization and welcomes volunteers from all faiths who are committed to Habitat's goal of eliminating poverty housing.
Homeownership »
Qualifications

Applicant families must:
 
Live in sub-standard housing-  In order to partner with Habitat for Humanity Mississippi Capital Area a family must presently live in housing that is in adequate in some way:
• Present housing is dilapidated or in bad repair
• Your home is too small for your family and has become overcrowded
• Your cost of housing is a disproportionate amount of your monthly income
 
Have the ability to pay- Habitat for Humanity Mississippi Capital Area Homeowners buy their houses so they must be able to make a no-interest mortgage payment every month. Qualifications include:
 
Monthly Income Between*
 
Number in Family
1  $1029-$2466
2  $1175-$2814
3  $1321-$3168
4  $1467-$3516
5  $1588-$3798
6  $1704-$4080
7  $1821-$4362
8  $1938-$4644
 

• You have a history of paying bills and have good references
• Be working (same job) for at least one year
• Complete a background check
• Be able to make a $600 down payment
• Monthly mortgage payments, including principle, taxes & insurance and  maintenance escrow: $300-$400
• Debt must not be excessive
• No liens, judgments, active garnishments.
 
 
Have willingness to partner- Habitat Homeowners enter into a partnership with Habitat for Humanity Mississippi Capital Area. Family partnership requirements include:
• Sweat equity (labor on the work site) of 250 hours
• Agreement to attend homeowner preparation workshops:
• Homeowner Orientation Meeting
• Homebuyer’s Education Class
• Post Homebuyer’s Education Classes
• Homeowner’s Association Meetings
 
 
 

 
2014 Applicant Information Meetings

• August 23- 10:00 am, Habitat Office @615 Stonewall Street
 
•              Sept 3- noon, Habitat Office @615 Stonewall Street
• Sept 11 5:30 Jackson Medical Mall
• Sept 20 10:00 am, Habitat Office @615 Stonewall Street
 
•              Oct 1- noon, Habitat Office @615 Stonewall Street
• Oct 9 5:30 Jackson Medical Mall
• Oct 18 10:00 am, Habitat Office @615 Stonewall Street
 
•              Nov 5- noon, Habitat Office @615 Stonewall Street
• Nov 13 5:30 Jackson Medical Mall
• Nov 20 5:30, Habitat Office @615 Stonewall Street
 
•              Dec 4 5:30 Jackson Medical Mall
• Dec 13 10:00 am, Habitat Office @615 Stonewall Street
•              Dec 17 - noon, Habitat Office @615 Stonewall Street
 
© 2014 Habitat for Humanity Mississippi Capital Area
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