1. Habitat for humanity Gary Marsicek

2. Requirements to apply  Unsafe or very poor conditions or located in a particularly unsafe area;  Rent, or contribution currently paid towards rent, exceeds 35% of net income;  Size in inadequate for the present or anticipated residents;  Other facts demonstrating a need for the type of housing Habitat can provide, that goes beyond a personal desire to own a home.

3. Ability to pay  ross household income must be between 30% and 60% of the median income for the New Haven area at the time of application.  A two-year history of stable income and employment;  An acceptable credit history, which includes a good record of paying rent and utilities;  Bankruptcies must have been discharged for two years;

4. Ability to pay cont.  Ability to cover closing costs and adjustments, which are about $3,500-$4,000, as well as a $600 down payment on the house;  Ability to afford anticipated mortgage payments. Monthly payments for debt cannot exceed 40% of gross monthly income;  Applicants must be U.S. citizens or permanent resident aliens.

5. Required salary to apply  2- $33,550  3- $37,750  4- $41,950  5- $45,300  6- $48,650  7- $52,000  8+ $55,350

6. Not qualified  Your hourly rate is less than $10.60 per hour or yearly income is less than $22,000.  You are currently bankrupt or have a bankruptcy that has not been discharged for at least 2 years.  You have outstanding foreclosures or repossessions.  You have outstanding judgments of $500 or more. (A judgment is a court ordered collection.)  You currently own a home —must not have owned a home within the last year.  You currently have delinquent debt that exceeds $1,500 and/or credit score less than 550.  Your yearly income exceeds the guidelines according to family size.

7. history  Habitat for Humanity International was founded in 1976 by Millard and Linda Fuller. Today, Habitat for Humanity is a true world leader in addressing the issues of poverty housing.

8. volunteering  Volunteers are most needed Saturdays from 8:00 a.m. to 4:30 p.m. New volunteers are required to complete the on-line volunteer registration and an orientation (either online or in person). We are unable to accept anyone under the age of 16 on our construction sites. Building locations and specific information can be found on our construction calendar, but workdays are always confirmed via email. You will need your email address and Pickens Habitat password to access the construction calendar. Previous construction experience is not required.

9. Habitat design criteria  Habitat for Humanity International house design criteria are defined by the following points. The living space provided—excluding stairwells (except to a basement) and exterior storage—should not exceed:  900 square feet for a two-bedroom house.  1,070 square feet for a three-bedroom house.  1,230 square feet for a four-bedroom house.

10. Habitat design criteria cont.  A two-bedroom house should have only one bathroom, which is to be accessible to people with disabilities. The bathroom may be compartmentalized (i.e., sink separated from toilet and shower) for increased usefulness. Three-bedroom houses may have an additional half-bath. Four-bedroom houses and/or houses with five or more people may have an additional full bathroom.

11. Habitat design criteria cont.  Families should have the opportunity to choose decorative finishes for the house whenever possible.  A budget may be established with a predetermined limit (e.g., $1,000) to allow the family to personalize their home with features such as appliances, fencing, a shed, etc.  Each house should have a covered primary entrance.

12. My Home

15. My Home: outside front view

16. My Home: living room

17. My Home: Master bedroom

18. My Home: Kitchen

19. My Home: Bedroom

20. My Home: bathroom

21. My Home: Backyard

22. My Home: Garage