This program is especially designed to make home ownership affordable.
How it works:
West Tuality Habitat for Humanity provides a unique opportunity for low-income, elderly and disabled residents of western Washington County Oregon (west of Hillsboro) to build and buy their own homes. Our houses are sold at no profit to our partner homeowners with an affordable mortgage. Mortgage payments are affordable, which means that the total mortgage payment (including principal and interest, property taxes, homeowner’s insurance, and homeowner’s association fees, if applicable) is no more than 30% of the homeowner’s qualifying gross monthly income at the time of sale.
How do I qualify for a home?
Our program evaluates your application using three criteria: Need, Willingness to Partner, and Ability to Pay. You must apply to find out whether you qualify. Here’s how we evaluate the three criteria:
Need is determined based on any of these factors, individually or in combination: financial need, lack of adequate housing, living in substandard conditions, need for special accommodations such as disability access.
Willingness to Partner: Habitat for Humanity uses a “hand up” model. You participate in your success. This may include things like working on your own or your neighbors’ homes, taking classes in financial literacy and money management, telling your story and having your picture taken for inclusion in our media posts, etc.
Ability to Pay: Upon successful completion of our program, your home will be provided to you for an amount that is affordable to you. Your monthly payment, including mortgage, interest, property taxes and homeowner’s insurance, will not exceed 30% of your income.
West Tuality Habitat for Humanity is an Equal Housing Opportunity provider. We are pledged to the letter and spirit of U.S. policy for the achievement of equal housing opportunity throughout the nation. We encourage and support an affirmative advertising and marketing program in which there are no barriers to obtaining housing because of race, color, religion, sex, handicap, familial status or national origin. We also do not discriminate because all or part of the applicant’s income is derived from public assistance programs.