habijax homeownership program information · about habitat for humanity of jacksonville (habijax)...
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We build strength, stability and self-reliance through shelter.
You CAN own a home!
HabiJax
Homeownership
Program
Information
About Habitat for Humanity of
Jacksonville (HabiJax)• Founded in 1988
• One of 1,300 affiliates of Habitat for Humanity in US and in 70 countries
• Nonprofit Christian ministry
• Works toward our vision by building strength, stability and self-reliance in partnership with people and families in need of a decent and affordable home.
• Built over 2,300 homes in Duval County, more than any other US affiliate
HabiJax Mission & Vision
• Mission
Seeking to put God's love into action, Habitat for Humanity brings people
together to build homes, communities and hope.
• Global Vision
A world where everyone has a decent place to live.
• Local Vision
HabiJax is a catalyst for comprehensive community engagement and
transformation in a vibrant city where all residents, neighborhoods, and
businesses collaborate in its development.
What does homeownership mean to YOU?
“Owning a home is a keystone of wealth
— both financial affluence and emotional security.”~ Suze Orman
• An asset to pass down to family members
• Putting money towards a permanent place to live
rather than a temporary one
• Taking pride in having a place to call “yours”
• Owning a house that you can call HOME
Benefits of Purchasing a Home with
HabiJax
• 1% down payment
• High quality new or existing housing product
• Affordable mortgage payment
• Establishes personal wealth
Frequently Asked Questions
HabiJax sells homes to families, right?
CORRECT! Some think that HabiJax houses are given away or donated. HabiJax homeowners qualify for affordable
loans and make monthly mortgage payments repaying the loan, along with property taxes, homeowners insurance
and, if applicable, homeowner's association fees. Your mortgage payment will be 30% or less of your monthly income.
Who does HabiJax sell homes to?
HabiJax is an equal housing lender so anyone who qualify for a loan is eligible to buy a home from us. Our families are
very diverse - single people or parents, and married couples with or without children.
Where does HabiJax build homes?
HabiJax builds in the Urban Core of Jacksonville - the neighborhoods that surround the downtown area. We build here
because these are the areas with the greatest need, and the land is affordable so it helps keep our costs low and the
houses affordable.
Is HabiJax a government program?
No. HabiJax is a local affiliate of Habitat for Humanity, a worldwide nonprofit organization.
• The Hicks Prep Club is an enrichment program for students (grades 7-12), who reside in Jacksonville Housing Authority, Section 8, and HabiJax properties (Homebuyer’s children are included)
• The Prep Club utilizes monthly meetings, a book club, test prep, and other programs to assist students in reaching their full academic potential
• The Prep Club also offers an incentive program that rewards students for their hard work and achievements en-route to applying for and becoming Hicks Scholars
• The Program is generously funded by the Hicks family.
Where We Build• HabiJax builds in the following neighborhoods at
this time:
– New Town (Kings Rd & Myrtle Ave area)
– Royal Terrace (45th and Moncrief Rd area)
– Phoenix (Phoenix Ave area)
– Long Branch (E 21st and Main St area)
– Grand Boulevard (off of Moncrief Rd)
– Robinson’s Addition (near Jacksonville Farmers Market)
– McCoys Creek Area (off of Stockton)
– North Riverside (North of I-10)
Removing Blight
PRINCE STREET 32209
BEFORE
BEFORE DEMOLITION
Removing Blight
PRINCE STREET 32209 – 3/2 RIVERSIDE
BEFOREBEFORE
DEMOLITION
EXAMPLES OF HOUSE STYLES (SUBJECT TO CHANGE)
House Description• Houses are approximately 1,000 – 1,350 square feet, one and two
story homes with vinyl siding, stone, or brick wainscot (border)
• Central heating and air conditioning
• Stove, refrigerator, washer and dryer included
• All rooms are painted off-white
• Mini-blinds on all windows
• Ceiling fans in the living room and all bedrooms
• Wall to wall carpeting except for vinyl in the kitchen, bathrooms, entry
way and laundry area
3 BEDROOM / 2 BATHROOM FULL PORCH ATTACHED STORAGE
1,125 SQUARE FEET ISLAND OR BREAKFAST BAR IN KITCHEN
ACCESSIBLE FLOORPLAN AVAILABLE BRICK OR STONE WAINSCOT opt.
Traditional House Styles – Fuller & Barker
3 BEDROOM / 2 BATHROOM HALF PORCH 1,191 SQUARE FEET
Traditional House Styles – Barker with Garage
3 BEDROOM / 2 BATHROOM COVERED FRONT PORCH ATTACHED STORAGE
1,125 SQUARE FEET BREAKFAST BAR KITCHEN BRICK WAINSCOT
Traditional House Style - Ranch
3 BEDROOM / 2 BATHROOM FULL PORCH DECORATIVE GABLE opt.
1,170 SQUARE FEET BRICK COLUMNS DETACHED STORAGE
VAULTED CEILING ADDITIONAL FLOOR PLANS AVAILABLE
Designer House Styles – Baldwin & Wiley
3 BEDROOM / 2 BATHROOM FULL PORCH DECORATIVE GABLE opt.
1,170 SQUARE FEET BRICK COLUMNS DETACHED STORAGE
VAULTED CEILING ADDITIONAL FLOOR PLANS AVAILABLE
Designer House Style – Sommer
3 BEDROOM / 2.5 BATHROOM
COVERED ENTRYWAY BRICK COLUMNS DECORATE SHAKE GABLE
1,118 SQUARE FEET DETACHED STORAGE ½ OR FULL PORCH
Two Story House Style – Pearce B & Pearce C
3 BEDROOM / 2 BATHROOM FULL PORCH ATTACHED STORAGE
1,205 SQUARE FEET STONE COLUMNS BRICK WAINSCOT
AVAILABLE IN 4 BEDROOM / 2 BATHROOM & 5 BEDROOM / 2 BATHROOM (ONLY KLUTHO)
Classic House Styles – Craftsman & Klutho
3 BEDROOM / 2 BATHROOM FULL PORCH ATTACHED STORAGE
1,375 SQUARE FEET
Classic House Styles – Jackson 2
3 BEDROOM / 2 BATHROOM COVERED FRONT PORCH ATTACHED STORAGE
1,500 SQUARE FEET BREAKFAST BAR KITCHEN BRICK WAINSCOT
AVAILABLE IN 4 BEDROOM / 2 BATHROOM
Attached Town Homes
HOW TO QUALIFY
Program Criteria
• Ability to pay
• Need
• Willingness to partner
Ability to Pay• Income must be between 35% and 80% of the median
income of Duval County
• Credit score of 620 or higher.
• Delinquent debt less than $1,000 (no one account can be
more than $250)
• If no credit score, you must meet non-traditional credit
guidelines
• Must be able to make a down payment equal to 1% of the
purchase price of the home after you have been approved
Income RequirementsMonthly Gross Income for Duval County
Occupants of
HouseMinimum Maximum
One (1) $1,429 $3,263
Two (2) $1,633 $3,729
Three (3) $1,838 $4,196
Four (4) $2,042 $4,658
Five (5) $2,204 $5,033
Six (6) $2,367 $5,404
Seven (7) $2,533 $5,779
Eight (8) $2,696 $6,150
Need
• Inadequate shelter because of problems with
heating, electricity, water supply, structural safety, etc.
• Overcrowding in the household
• Spending more than 40% of income on housing
• Residing in a drug or crime infested neighborhood
• Residing in subsidized housing
• Residence not secured by a lease agreement
Willingness to Partner
• A total of 300 sweat equity hours are required from each homebuyer family
• Accept a home in neighborhoods in which HabiJax operates
• Owner occupied throughout term of mortgage
• Make monthly mortgage payments on time once you have closed
Credit Report Fee
1. If applying online, you can pay online using our easy
form
2. If submitting a paper form, you may submit your
payment online or bring a money order or check to the
office during the application period
Eligibility Process
1. Submit Interest Form
2. Appointment scheduled
3. Submit loan application– A counselor will review your application and your income documentation and will submit your
file to the bank for loan approval
– A search is performed in the National Sex Offender Registry
– The bank will work to make sure you meet the income limits, that your debt load is not too high, and that your rental history is good
– Information submitted to which lender is based on your income
4. Assessment of need
5. Approval or denial
*Credit counseling and financial workshops may be scheduled to prepare for application
Homebuyer Process
• Orientation- after loan approval
• Sweat equity
Total of 300 volunteer hours per homebuyer family
Can be completed:
a. On the construction site
b. At HabiJax Restores
c. At HabiJax Office
d. Community Meetings as designated by HabiJax
• 120 day recertification
Homebuyer Process
• Purchasing a home– Individual tour and house showings
– Down payment Total of 1% of the Purchase Price
A minimum of $500 must be paid before eligibility to sign a contract on a property
60 to 120 days to pay the remaining down payment, after signing a contract depending upon the construction schedule
• Educational workshops
• Construction of your home
• Closing
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