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Habitat for Humanity Crawford County 2021-2022 ApplicationThank you for your interest in Habitat for Humanity of Crawford County’s homeownershipprogram. Habitat for Humanity of Crawford County is a local non-profit affiliate of Habitat forHumanity International serving Crawford County in Illinois. Habitat for Humanity brings peopletogether to build homes, communities, and hope. To fulfill its mission, Habitat makeshomeownership possible for low-income households through affordable mortgage loans topurchase homes built by Habitat.You can drop off your completed application to Bailey at First Robinson Savings Bank (RobinsonBranch) or you can mail it to PO Box 715, Robinson, IL 62454. Applications are due bySEPTEMBER 15, 2022.To be eligible for the Habitat for Humanity build applicants must: Have a need for shelter/housingo Have not owned a home in the last 3 yearso Need for housing can be based on physically inadequate, unsafe, or overcrowdedconditions in your current home.o Unable to qualify for a conventional loan due to income levelo Meet income guidelines based on HUD median income numbers Have the ability to pay a monthly mortgage paymento Have no unpaid/past-due collections, liens, or judgementso Have not filed for bankruptcy within the last 7 yearso Have steady income for 2 yearso Be eligible to open/maintain a savings accounto Be able to pay a minimum of 1% of the sales price for the down payment andclosing costso Debt to income ration must be less than 40% Be willing to partner with Crawford Co Habitat for Humanityo Live or work in Crawford County for the last 6 monthso Complete no less than 200 hours of sweat equity by helping build habitat homes,including your own.Crawford County Habitat for Humanity is an equal opportunity lender.Please note that we do conduct criminal background and sex offender registry checks.1

RETURN COMPLETED APPLICATION TO:Crawford Co Habitat for HumanityPO Box 957Robinson, IL 62454ApplicationWe are pledged to the letter and spirit of U.S. policy for the achievement of equal housingopportunity throughout the nation. We encourage and support an affirmative advertising andmarketing program in which there are no barriers to obtaining housing because of race, color,religion, sex, handicap, familial status or national origin.Habitat Homeownership ProgramDear Applicant: Please complete this application to determine if you qualify for the Habitat for Humanity homeownership program. Please fill out theapplication as completely and accurately as possible. All information you include on this application will be kept confidential in accordance with theGramm-Leach-Bliley Act.1. APPLICANT INFORMATIONApplicantCo-applicantApplicant’s nameCo-applicant’s nameSocial Security numberSocial Security numberHome phone Married SeparatedAgeHome phone Unmarried (Incl. single, divorced, widowed) Dependents and others who will live with you(not listed by co-applicant)NameAgePresent address (street, city, state, ZIP code)Married SeparatedAge Unmarried (Incl. single, divorced, widowed)Dependents and others who will live with you(not listed by co-applicant)Male Female Own RentNameAgePresent address (street, city, state, ZIP code)Male Female Own RentNumber of yearsNumber of yearsIf you have lived at your present address for less than two years, complete the following:Last address (street, city, state, ZIP code) Own RentPresent address (street, city, state, ZIP code) Own RentNumber of yearsNumber of years2. FOR OFFICE USE ONLY — DO NOT WRITE IN THIS SPACEDate received:Date of selection committee approval:Date of notice of incomplete application letter:Date of board approval:Date of adverse action letter:Date of partnership agreement:

3. WILLINGNESS TO PARTNERTo be considered for Habitat homeownership, you and your family must be willing tocomplete a certain number of “sweat-equity” hours. Your help in building your homeand the homes of others is called “sweat equity” and may include clearing the lot,painting, helping with construction, working in the Habitat office, attendinghomeownership classes or other approved activities.I AM WILLING TO COMPLETE THEREQUIRED SWEAT-EQUITY HOURS:YesNoApplicantCo-applicant 4. PRESENT HOUSING CONDITIONSNumber of bedrooms (please circle)12345Other rooms in the place where you are currently living: Kitchen Bathroom Living room Dining room Other (please describe)If you rent your residence, what is your monthly rent payment? /month(Please supply a copy of your lease or a copy of a money order receipt or canceled rent check.)Name, address and phone number of current landlord:In the space below, describe the condition of the house or apartment where you live. Why do you need a Habitat home?5. PROPERTY INFORMATIONIf you own your residence, what is your monthly mortgage payment? /month Unpaid balance Do you own land? No YesMonthly payment Unpaid balance If you wish your property to be considered for building your Habitat home, please attach land documentation.

6. EMPLOYMENT INFORMATIONApplicantCo-applicantName and address of CURRENT employerYears on this jobName and address of CURRENT employerMonthly (gross)wages Type of businessBusiness phoneYears on this jobMonthly (gross)wages Type of businessBusiness phoneIf working at current job less than one year, complete the following informationName and address of LAST employerYears on this jobName and address of LAST employerYears on this jobMonthly (gross)wages Type of businessBusiness phoneMonthly (gross)wages Type of businessBusiness phone7. MONTHLY INCOMEIncome sourceApplicantCo-applicantOthers in householdTotalWages TANF Alimony Child support Social Security SSI Disability Section 8 housing Other: Other: Other: Total PLEASE NOTE:Self-employedapplicants may berequired to provideadditionaldocumentation suchas tax returns andfinancial statements.HOUSEHOLD MEMBERS WHOSE INCOME IS LISTED ABOVENameIncome sourceMonthly incomeDate of birth

8. SOURCE OF DOWN PAYMENT AND CLOSING COSTSWhere will you get the money to make the down payment or pay for closing costs (for example, savings or parents)? If you borrow themoney, whom will you borrow it from, and how will you pay it back?9. ASSETSName of bank, savings andloan, credit union, etc.AddressCity, stateZIPCurrentbalanceAccount number 10. DEBTTO WHOM DO YOU AND THE CO-APPLICANT(S) OWE O-APPLICANTMonthsleft to payMonthlypaymentUnpaidbalanceOther motor vehicle Boat (includes rent-to-own) Alimony Child support Credit card Credit card Credit card Total medical Other Other Total Furniture, appliance, TVsMonthsleft to pay

MONTHLY EXPENSESAccountApplicantCo-applicantTotalRent Utilities Insurance Child care Internet service Cell phone Land line Business expenses Union dues Other Other Other Total 11. DECLARATIONSPlease check the box beside the word that best answers the following questions for you and the co-applicantApplicanta. Do you have any outstanding judgments because of a court decision against you?b. Have you been declared bankrupt within the past seven years?c. Have you had property foreclosed on or deed in lieu of foreclosure in the past seven years?d. Are you currently involved in a lawsuit?e. Have you directly or indirectly been obligated on any loan which resulted in foreclosure,transfer of title in lieu of foreclosure, or judgment?f.Are you currently delinquent or in default on any federal debt or any other loan, mortgagefinancial obligation or loan guarantee?g. Are you paying alimony or child support or separate maintenance?h. Are you a co-signer or endorser on any loan?i.Are you a U.S. citizen or permanent resident? Yes Yes Yes Yes Yes No No No No No Yes Yes Yes Yes Yes No No No No No Yes No Yes No Yes No Yes No Yes No Yes No Yes No Yes NoIf you answered “yes” to any question a through h, or "no" to question i, please explain on a separate piece of paper.Co-applicant

12. AUTHORIZATION AND RELEASEI understand that by filing this application, I am authorizing Habitat for Humanity to evaluate my actual need for the Habitathomeownership program, my ability to repay an affordable loan and other expenses of homeownership, and my willingness to be apartner through sweat equity.I understand that the evaluation will include personal visits, a credit check and employment verification. I have answered all the questionson this application truthfully. I understand that if I have not answered the questions truthfully, my application may be denied, and that evenif I have already been selected to receive a Habitat home, I may be disqualified from the program and forfeit any rights or claims to aHabitat home. The original or a copy of this application will be retained by Habitat for Humanity even if the application is not approved.I also understand that Habitat for Humanity screens all applicants on the sex offender registry. By completing this application, I amsubmitting myself to such an inquiry. I further understand that by completing this application, I am submitting myself to a criminalbackground check.Applicant signatureDateCo-applicant signatureDateXXPLEASE NOTE: If more space is needed to complete any part of this application, please use a separate sheet of paper and attach it tothis application. Please mark your additional comments with “A” for applicant or “C” for co-applicant.13. RIGHT TO RECEIVE COPY OF APPRAISALThis is to notify you that we may order an appraisal in connection with your loan and we may charge you for this appraisal. Uponcompletion of the appraisal, we will promptly provide a copy to you, even if the loan does not close.Applicant's nameCo-applicant's name

14. INFORMATION FOR GOVERNMENT MONITORING PURPOSESPLEASE READ THIS STATEMENT BEFORE COMPLETING THE BOX BELOW: We are requesting the following information to monitorour compliance with the federal Equal Credit Opportunity Act, which prohibits unlawful discrimination. You are not required to provide thisinformation. We will not take this information (or your decision not to provide this information) into account in connection withyour application or credit transaction. The law provides that a creditor may not discriminate based on this information, or based onwhether or not you choose to provide it. If you choose not to provide the information, we may note it by visual observation or surname.ApplicantCo-applicant I do not wish to furnish this information I do not wish to furnish this informationRace (applicant may select more than one racial designation):American Indian or Alaska NativeNative Hawaiian or other Pacific IslanderBlack/African-AmericanWhiteAsianRace (applicant may select more than one racial designation):American Indian or Alaska NativeNative Hawaiian or other Pacific Hispanic or LatinoEthnicity:Hispanic or Latino Sex:Female Non-Hispanic or Latino Sex:Female Male Non-Hispanic or Latino MaleBirthdate:/ /Birthdate:/ /Marital status:MarriedSeparatedMarital status: Unmarried (single, divorced, widowed) Married Separated Unmarried (single, divorced, widowed)To be completed only by the person conducting the interviewThis application was taken by:Face-to-face interviewBy mailBy telephone Interviewer’s name (print or type)Interviewer’s signatureInterviewer’s phone numberDate

Humanity International serving Crawford County in Illinois. Habitat for Humanity brings people together to build homes, communities, and hope. To fulfill its mission, Habitat makes homeownership possible for low-income households through affordable mortgage loans to purchase homes built by Habitat.