We empower through shelter. West Orange Habitat makes housing affordable for those who may not be able to otherwise achieve homeownership.
HOW WE MAKE DECENT HOUSING AFFORDABLE
We offer a hand up for families in need of decent, well built, affordable homes. Our homeowner partners are offered an opportunity to escape substandard (and often unhealthy) living conditions and own (and build equity in) a home in which they find great pride, call their own, and connect deeply. The transition from substandard living conditions to homeownership is truly transformational for these families, and these positive impacts ripple down to future generations.
West Orange Habitat designs and constructs its homes in a cost-effective manner and utilizes volunteer labor and market-discounted or donated materials whenever possible. Homeowner families also are required to work diligently and commit between 300 and 400 hours of "sweat equity" in the construction of their home (and/or their neighbors' homes). They also participate in classroom instruction covering a multitude of important topics such as budgeting, financial management, debt reduction strategies, and essential aspects of home maintenance. Upon successful completion of the process, our homeowner families receive titles to their homes at a price discounted to market and with an interest-free mortgage that is structured to keep their monthly payments affordable.
In addition to making homeownership opportunities available to qualified applicant families, West Orange Habitat provides homeowner partners with m3entoring, financial and home maintenance training to set them up for continuing success.
Qualify WITH A HOUSING NEED
You may qualify for homeownership if:
You are unable to qualify for homeownership through other conventional means
You have lived in West Orange County for at least the last 12 months
You have had the same job or source of verifiable income for at least the last 6 months
Your current housing is:
Inadequate: Lack of adequate housing may include problems with the present structure such as: water; electrical or sewage service systems; heating system; hazardous; poorly maintained (substandard); or failure to meet city property maintenance standards.
Overcrowded: Overcrowded conditions take into consideration the make-up and size of your household compared to the number of bedrooms in your home.
Transitional: Transitional housing includes living with family members or a friend or other temporary housing arrangements.
Government Subsidized: Your current household rental costs are subsidized by housing programs such as Section 8 or other Low Rent Programs.
Unaffordable: Unaffordable housing exists if the current monthly rent you pay is greater than 30% of your monthly household income.
Ability to REPAY a no interest mortgage
You and your family will be considered if your total income is between 25% and 80% of the area median income for Orange County as set by the United States Department of Housing and Urban Development (HUD). The income eligibility criteria varies based on family size and is updated annually. For 2019, the allowable range of total income is as follows:
Household size Minimum household income Maximum household income
Household of 2 $12,800 $40,960
Household of 3 $14,400 $46,080
Household of 4 $15,975 $51,120
Household of 5 $17,275 $55,280
Household of 6 $18,550 $59,360
Household of 7 $19,825 $63,440
A prospective homeowner partner must be able pass a background and credit check and demonstrate credit worthiness in accordance with also be able to demonstrate credit-worthiness in accordance with West Orange Habitat requirements.
Willingness to Partner
If you are approved by West Orange Habitat as a prospective homeowner partner you must: be willing to:
Live in the home provided by West Orange Habitat and timely pay an affordable, no-interest mortgage.
Contribute 300 to 400 sweat equity hours in the construction of your home or others
Successfully complete Homeowner Education Workshops provided by West Orange Habitat.
PLEASE complete form below and PLAN TO ATTEND OUR NEXT COMMUNITY ORIENTATION TO LEARN MORE
If you are interested in learning more about homeownership opportunities available through West Orange Habitat, please:
Complete and submit the form below and you will be added to our invitation list for the next orientation
Arrive on time to attend the homeownership community orientation and stay for the duration of the presentation. Ample opportunity will be given for questions and answers. Applications will be distributed at the conclusion.
The next Community Homeownership Orientation will be held on Saturday, March 9th at 9:30 prompt.
Please complete and submit the below form to receive an invitation for this orientation. Please check this website later for future dates of orientations.