Family Services

Yakima Valley Partners Habitat for Humanity provides the opportunity for hardworking families living in Yakima County to become successful homeowners. Habitat offers a ‘hand-up, not a handout’ by making it possible for struggling families to own their own home.  Family partners are selected based on meeting the following criteria:

1) Need:
Successful applicants must demonstrate that their current housing does not meet their family’s needs. If your current residence is inadequate because of overcrowding, mold, or structural damage, you may qualify for a Habitat home.

Each family must verify that their annual income falls between thirty and sixty* percent of the median Yakima County income which is determined by HUD guidelines.

Year 2016-2017 Guidelines (HUD published information for Yakima County)

Family Size

30% Median

60% Median*

One

$12,480

$24,960

Two

$14,280

$28,560

Three

$16,050

$32,100

Four

$17,820

$35,640

Five

$19,260

$38,520

Six

$20,700

$41,400

Seven

$22,110

$44,220

Eight

$23,550

$47,100

(*Some projects have funding that only allows a maximum of 50% Area Median income)

2) Ability to Pay:
Partner families purchase Habitat homes with an affordable mortgage and payments that do not exceed 30% of their monthly gross income. Their payments enter a revolving fund used to build future Habitat homes. We consider credit history, employment and debt-to-income ratio to determine a family’s ability to make regular mortgage payments, property taxes, home hazard insurance payments and closing costs.

3) Willingness to Partner:
Yakima Habitat partner families are involved in all aspects of home building. They commit to working 500 volunteer ‘sweat equity’ hours with Habitat from the time they are selected to the home dedication. Not all hours must be completed on the job site; we have many office and store volunteer opportunities as well.

Selection

Habitat schedules a home visit for all families that meet the partnership criteria. Our Family Selection Committee then determines the partner families based on need and the number of houses Yakima Habitat plans to complete during the year.

Partnership Phase
Because Habitat homes are built primarily by volunteers and the partner families, construction typically takes about six to nine months but can take longer.  Habitat partner families engage in the home building process throughout this time frame.

Partner families are expected to participate in Yakima Habitat events and fundraisers. The organization relies on compelling family stories to generate interest in volunteering and fundraising which are a vital part of Habitat’s ability to build homes.

Thank you for your interest in Yakima Habitat for Humanity.

All potential homeowners must attend a Homebuyer Seminar and one on one Housing Counseling sessions.

 

If you have a mortgage with Habitat for Humanity and are having temporary or permanent difficulties in making your mortgage payment please follow this link to learn more about how we can help. 

Mortgage Loan Payment Assistance