Home buying with Habitat for Humanity
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- Опубликовано: 22 июн 2020
- My experience/my journey, buying a home with Habitat for Humanity (Chicago). If you've ever thought about buying a home with Habitat For Humanity. I might have some answers to your questions. Based on my experience. #Correction I stated that people asked when I was finished with the house "so you're done, you only have your mortgage and insurance", It should have been Taxes and Insurance (they thought it was "Mortgage Free" in which IT'S NOT... :)
watch, like, share, comment #SUBSCRIBE
EDIT: TOOK ME ONE YEAR TO BE DONE AND MOVED IN. (8/13/21)
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I got approved and just received my acceptance letter and press release forms build starts in March 🙌🏽 I’m sooo happy
CONGRATULATIONS!!!!!!! :)
That’s amazing girl congratulations
@Jessica Hartfield you look on their website to see when they'll be accepting applications again (Chicago next round is fall 2021) you can sign up to be notified on their website. There is a min & Max income, i remember what it all is.
Congratulation hun
That's awesome.. what state?
I close on my habitat home in 20 days!! I’m so excited! This video helped a lot when I first applied and have watched it a lot of times 🎉
CONGRATULATIONS 🎊🎉 🥳
I’m glad the video helped in whatever way it helped you!
Continued Blessings 🏠
How long was the whole process from first meeting to this point?
@@dannib5543 Hi, my process 🤔 I think it was 13-14 months from start to finish. Might be different for different folk.
@dannib5543 the whole process for me has been about 17 months. I live in the northeast so they couldn’t start building in January when I was accepted
I'm not sure when Habitat for Humanity began with Millard Fuller, but my family's house burned down back in the 1960's. As it turned out, our father and our uncles worked to build a pre-fab house every night after work, plus on weekends.
In the meantime, to hold us over until the pre-fab house was finished, we slept in my grandparents' garage on used beds that a charity in town gave to us.
Fortunately, our grandparents, also, had a one-room building outside where they did their canning in the summers. That summer, the little room was transformed into our kitchen, our living room, our dining room, etc.
To top it off, our mother was pregnant with baby number 7.
Life was hard in those days, but when we finally moved into the new house, it was like the heavens had opened.
Habitat was not in existence at that time, but we sure could have used them at that time.
Because of my experience after the fire, I have the greatest admiration for Millard Fuller and the many homes they have built to help families in need.
Wow thanks for sharing,
Its actually where it all started:
Habitat co-founder Millard Fuller | Habitat for Humanitywww.habitat.org › about › history › habitat-for-humani...
From humble beginnings in Alabama, Millard Fuller rose to become a young, self-made millionaire at age 29. But as his business prospered, his health, integrity ...
Award category: Presidential Medal of Freedom
I’ve watched your video 1,000 times 🥰😂 I’ve made it to step 3! A home visit ! WISH ME LUCK 🍀🤞🏾If anyone is thinking about applying DO IT ! Don’t be discouraged my first time apply was in 2018 & in 2022 I’m closer to getting approved! Don’t give up good things come to those who wait 🤍🙏🏾
Awww That's awesome.. Congrats to you and of Course BEST WISHES!! It's so worth it... Keep me posted on your journey... #HomeOwnerOnTheRise!! #Yessssss
Hey can you give me some tips like credit collections and debts?
@@butter7205 if you have those issues, you should still go to an informational and find out what they have to say about the program to see if you want to do it. They will actually work with you and let you know what you need to do in order to get to where you need to be. there was a lady in my cohort who didn't make her first round but she did the work and she came in on / with the cohort that I was with... it's not an end all be all is what i'm saying. It's still possible.
Did the entire process take 4 years?
@@BreeMarie313 No my total process was probably 13 months..
Im in Tennessee and am buying a habitat home. I love it and had a great experience. I think requirements differ from state to state from things I have heard others say. You are right its not given to you, people have a misconception. You work hard for it and responsible for paying a mortgage like other home owners!
CONGRATULATIONS to you!! On the 26th of this month I'll have been in my house a full year! :)
Hey Tina what part of Tennessee are you in! I’ve just submitted application here in Chattanooga. How has your process been?
I just moved in my Habitat house and I love it. I shared it on my RUclips as well. Very worth it! Thank you for sharing.
Congrats 🥳 to you. I am about to check out your youtube video! Glad you are enjoying your home.
Once again great information! Thanks❤
Thank you for watching...
I just completed my home visit and it looks like we are going to be approved! Came to RUclips to see what others had experienced and found your video!
Congratulations 🥳
I got a call after 3 years to begin the process because the house is available now. Now I have a problem I am making more then the qualified income when before I wasn't I am afraid now I won't be qualified :(
@@FabbisChannel you should take the meeting if you can and see what they say. don't give up...
I'm going through the process, can you tell me how much the down payment and closing costs are ??
I’m in Florida currently waiting for the lenders to approve me… praying ❤️
GOOD LUCK TO YOU!!! So Exciting 🏡
We’re you approved yet how long did it take if so
How was your process and what about credit collections and debts
@@shandamya2118 yes moved in end of January 2022
@@butter7205 there is a debt to income ratio that must be met. A credit score of 640 or better is required and depends on what your state requires
So update guys I got my floor plans omg it’s so beautiful my groundbreaking is on August 14th
AWESOME! congratulations 🎉🍾🎊
What State City?
My house blessing is this Saturday 😊🙌🏽
CONGRATS TO YOU!!! 🥳 🎉
Congratulations!!! Are you documenting your journey ?! We’d love to see !! Also my next step is a home visit , how was yours ? I’m just a person I’d like to know what to expect lol
@@charliecharley3027 mines went well I had to do it virtual because of the pandemic last year I enjoyed this process from start to finish I have documented alot on tik tok I have to update I may upload a video on here as well of my journey
@@ariellashley7154 niceeee !! What’s your tik tok I would love to see
@@charliecharley3027 queentaurusdabull
thank you I just received my acceptance letter and have my welcome meeting next week I am nervous... haha i wanna be the first person to sit my butt in the tub too lol
@Jessica Hartfield yes
yep, they do consider all incomes, at least sign up for an informational to get info & ask questt
I just completed my home visit and just got the call Im approved for the program. I'm looking forward to the process it's really awesome.
Congrats to you. I didn't go through a home visit process. I'm not sure what that's about. But different Habitat states / cities have different requirements... Best Wishes on your journey
Chicago's H4H is definitely different than Pensacola's (FL)! You have a choice in colors, the design, even the land/location if it's available and in your budget!
that’s awesome, maybe when i sell way down the line I’ll move to a location that gives the buyer more options. I’m from the west side of chicago and would’ve loved to have my home built there. but i had to move to the south side where they are currently building. i think with the amount of the house we should have more say for sure. thanks for sharing. are you a habitat home owner?
@@tru1tru I'm from the west side Polk & central park but live in the burbs
Thank you
Congratulations! I hope your still loving it. What exactly do you mean when you say “doing time”?
I mentioned having to help build your & your neighbors houses. Working at the restore. Doing time means being available to do however many volunteer hours required of you during that time also, home buyer readiness classes
you did not have a say in flooring and cabinet options? my packet says those are options also they are offering renovated rebuilds and new new builds are only if your income qualified do you know anything about that? also tfs
Yes we did, floors, cabinets, fridge/stove (black or white) , hood or microwave over the stove (have to buy own microwave) oh and color option of carpet on stairs.
We all have new builds from ground up, which in Chicago is what it is currently. One of the ladies got a complete gutted/ rehab, it was a habitat house that someone abandoned years ago. Depending on your location they do rehabs, some things are slightly different based off different areas/States
thanks
Congratulations, Read the fine print they hold a second mortgage on your property ask them about that.
Not true (they would under certain circumstances) but No, not on my house or anyone that was in my cohort. Those circumstances were explained to us but not necessary for any of us.
I’m waiting on my results on Friday , please pray for me i hope i get it 🤞🏾
Of Course Prayers,, Good Luck and Congrats #ClaimIt... Keep up posted!
I believe that Habitat for Humanity (HFH) programs can differ from state to state and county to county, and these differences are determined by each HFH program and their governing board. Some Habitat for Humanity programs have three (3) mortgages:
a) The First Mortgage is what you pay them for the house over your thirty (30) year mortgage, or whatever term they give you to repay the loan. (I think you said you paid about $165K for your home. So, this would most likely be listed as your First Mortgage.)
b) There could be a second mortgage (possibly called a "junior mortgage" ) that sets terms for Habitat's "right of first refusal" and "shared appreciation."
c) There could be a third mortgage (could also be called a "junior mortgage" ) that could be included if the buyer received "down payment" funds from the county or another program. This loan might be forgiven after a certain number of years if the buyer stays long term in the house.
Some video ideas could include the following discussions:
Do you have a "junior mortgage" in addition to the "first mortgage," and does it include terms including "right of first refusal" and "shared appreciation"?
How would the "shared appreciation" terms impact you if you were to decide to sell your home for some reason or if you wanted to pay off the "first mortgage" [of roughly $165K]? Would you have to pay off the balance of the first mortgage AND pay HFH for the appreciation in value of the home? With home values going up, this could be a significant amount of money.
What are the conditions under which the HFH program can "call the loan"?
If you do expensive maintenance (e.g., have the roof reshingled) or upgrades to the home, and then have to sell the house (for whatever reason, but it could be that your job requires you to move somewhere else, caring for a sick parent to lives somewhere else, etc.), are these investments into the home lost due to "shared appreciation" rules that may apply?
Hi, they will definitely all differ and or have differences.. I'm not sure about 2nd and 3rd mortgages.. I have 1. Here in Chicago they used to do 2nd mortgages to help out homebuyers but If I'm not mistaken they don't do that anymore (don't quote me). I think the best way to get all the details that you inquire about is to attend an Informational. Where all these things would be explained in person and questions can be asked of the "professionals" I' shared my knowledge based on my experience only. I have 1 mortgage with 0% interest and I don't believe anyone from my cohort got into 2nd mortgages...
U wont live 30 years to pay it off, habitat or not😂
You and my wife have a lot in common.
We are about too pick the floor plan.
Wow awesome!! Floor plan or colors?
We didn’t have option of floor plan, but the colors we wanted out laminate & tiles
Hello, congratulations on your home.
Did you have to work at the same job field for minimum 2 years?
Hello, Yes, not at the same job, but if in same field,, it was all good.. If you have opportunity to go to an informational go, get the information ask all the questions etc... Good Luck
How did you get 0% interest? I am waiting for my house to be built. The were supposed to start later day weekend but virus start date is april 2021. The banker said no one has 0% but now the banks have 0 mabe I'll get it. The banker told me if interest go to o, I still will not get it. I hope things will change when my house is built. I always say good things come with having to wait. I was sad for not starting in sept but mabe there is a surprise somewhere
Hi, Jenny, I bought my house with Habitat for Humanity.. It's not a "normal" or "usual" thing in the housing market. But I choose to buy with Habitat for Humanity for that reason! 0% Interest got my #Attention. I knew that could NOT be beat!
I pray I get approved 🤞🏽
I hope you get approved to, keep me posted!
Thank you I will
I just got my letter to day thinking u lord I got approved
@@iyannaaliyah1617 congratulations!!! Let the journey begin!!
@@iyannaaliyah1617 AWESOME GIVE DETAILS WHAT STATE ARE YOU IN?
do they help people in south africa?
One thing that turned me off about habitat, is that you dont get the full appreciation or equity. You can only get 2% of the value increase each year. Also, you can rent out your house. I want my assets to earn me money, you cant do that with a habitat home
after a certain # of years you're fully vested in your house and if you decide to sell all profits are 100% yours.. But yes you have to live in the house a while.. Habitat is not in the business for folk to come in and flip for a quick profit off the houses that's not the goal...
@@tru1truwhen you say a while how long is that?
@@Drinto4191 you’ll have to go to an informational session, they will be happy to answer all of your questions. I made a purchase via habitat & I’m happy with it. I don’t work for them. It’s been almost 4 yrs (in Jan for me & I’m good)
Thank you for sharing your story. Can you apply and get accepted while currently living in low income housing.?
Yes you can apply while living in public housing. As long as you meting credit requirements & have steady income
It never even ocurred to me that Habitat for Humanity would be free😂
you wouldn't even believe how many folk think or thought that we were getting a #FREE house.. I told them "Now that would be the American Dream"! #Hmmpf
I hate how people think it’s free nope it’s not lol I feel like Americans think it’s free especially if it’s a brown or black person buying the home it’s just an opportunity people get over it congratulations on your home by the way
So you have to make a certain amount annually? I’m a low income single mom currently paying 2k a month in an apartment. Both my brothers have houses and pay way less monthly on their mortgages than I pay for my apartment. I desperately need a way to get home ownership, but I’m not rich enough to qualify for a house with my income alone. My credit is good though.
you should apply, find out when habitat is having an informational where you are and go.. If you can pay $2K a month in rent you should definitely be earning enough to qualify to buy a house with Habitat.
What if you already have your own land? Would they allow or approve you and help you build there
i don’t think so, but I’m not sure. you’d have to ask them. maybe if it’s in an area they are planning to build already? but I don’t know. Good luck
how can i start the process please help me
If I volunteered at Habitat then decided to put in a application for a home would those hrs count towards it?
NO, well not in Chicago & unless they changed the rules
I'm watching everyone videos on habitat I just spoke with the financial side of the process this morning and it was everything I thought it would be cringy but that was my side of it
What was cringy about it for you?
Congratulations 🎊 can you tell me how much the Mortgages are? Pros & Cons? Do you have any regrets.. do they tell you who can live in your house like section 8. Did you report your check stubs after closing and do you have to report everything for the next 30yrs
this will be based on your income. 30% of your income. (so this will vary per person(s). NO they do not tell you who you can have in there , you can have anyone you want. in there, once it's yours it is yours. Regrets... some.. 1. Had I gone and made my purchase without habitat I could've gotten a BIGGER house, but then I really don't need a bigger house for just me. so ehhhh. Good luck to you on your journey, whatever you decide.
@@tru1tru thank you so much for responding I did my app,meeting about my credit score and I was told to come in a sign papers because I was the family chosen.....
@@tru1tru so now I just was trying to get info for the future.... so if my job change and my pay is decreased a yr later... do I have to report that so they can adjust the mortgage or do I continue to pay the mortgage I started with from the beginning?
@@tru1tru thanks again for answering my questions after watching so many videos you are the only one I trust with accurate info lol❤
How long after you applied did you get approved to get started?
I received the application in Dec 2019. Filled it out, submitted it with all the required paperwork and I knew I was approved within 6-8 weeks. (If I remember correctly). Because I know I got my first few hours in March of 2020.
Even though you didn’t have a say on build, can you change things yourself if you want? Do you have a basement? If you don’t want to speak do you have to? I’m introverted and not interested in that part of the program. Can’t you get a renovated house instead of a new build?
Once you close on your house you can make any changes you wish to make. I do have a basement. But according to the Habitat program I went through My house was the last house they were building with a basement. So we have 4 houses with basements and the last 4 do not have basements. No you do NOT have to speak if you choose not to speak. As far as Renovating a house. You don't have a say in if it's a new build or renovation. (Not different habitat programs have different rules and things that they do, so keep that in mind) Through my process there was ONE house that was Renovated. It was a 10 year old build (with basement / NO garage, but parking slab) Which was an option but they still did it how they wanted to do it. which pretty much look just like my house.. a few things different.
Thank you for the information. I like the homes but I don’t like how some of them look like apartments inside the way they are set up. I want my home to feel and look like a home. I was just reading an article that says HFH is basically a scam. Are you pretty happy with your purchase? Do you feel like anything shady is going on? Is your house built well? I know every area was different and the homes in my area actually look pretty nice on the outside from what I can tell.
@@gemneye3545 I'm sorry, I' didn't even realize I had this comment here.. So excuse the late response. HFH has been around for many years, IMO it's #Definitely #NOT a SCAM! I know several people with habitat houses and NO one has any complaints of feeling Scammed, everyone LOVE their homes and are happy with them. I have a cousin who's been in her home for over 15 years NO complaints.
What I do know is Folk will talk crazy about it and don't know Anything about it. Like those that assumed we were getting a #FREE house... HA that is laughable. There are many different HFH programs they all have similar but slightly different requirements..
LOL IDK what you mean looks like an apartment, Any House will look like what you make it. You go in an add the touches you want to make it your home... So that comment is ehhhh... There are also many different styles of HFH homes depending on where you live. They all don't aren't the same... But best wishes in your endeavors...
OH' Yea that is why I didn't tell anyone I was going through the program to make the purchase b/c I didn't want Negativity in my EAR some folk will tell you Negative things so, you don't get further ahead than they are... A home with 0% interest for the life of the loan... #IWin
@@gemneye3545 Will you share the link of the Article that you read, saying it's a #SCAM?
Can you tell me about the down payment and closing costs ? My children and I are going through the process please pray for us or wish us luck 🤞🙏
Good luck to you, the programs are different so I can't say for sure about your down payment and closing cost but that is kind of where the "hours" or "sweat equity come in. It's nothing to worry about. We were also required to save a certain amount before the closing date.
How long did it take to be built? No one really says that.
I'm sure I said that... I was in my home within a year...currently with the pandemic going on, it's taking the group (co-hort) behind me a little longer.. I think around 1.5...(year and a half'ish)
in my country they dont want to help me start the process
Thanks 4 this video 👍
Thank you for watching
Hi, do any of the homes have septic tanks?
I'm not sure about that one. You'd have to ask a builder or someone at a Habitat office. (But, I found this online) --- As I was Not on the build site for the entire build process, So IDK--- In 2017, Infiltrator partnered with Habitat for Humanity to provide septic systems annually for Habitat homes throughout the United States. ... Each donation includes a septic tank and drainfield product from Infiltrator's full line of on-site wastewater products.Jul 31, 2019 (source: I googled your question, regarding habitat)
@@tru1tru Many thanks hun.🌷🌸😊
How much is your monthly payment for your house? And are taxes included in monthly payments?
Less than I was paying for rent. My mortgage is actually UNDER a Grand a month.. But I pay more b/c well.. I want to pay off sooner rather than later..
They told me that taxes are included in the monthly payment.
Now they want you to get a third party lender to be qualified for a home. Habitat is not the same anymore. Why do I have get a third party lender to get a home? Then I have to pay interest.
😯 REALLY? Where are you located? It's not that way in Chicago. If they have changed it here (which I doubt) I haven't heard anything about that. WOW.. But I do know, different locations (I'm not sure where) do offer Low Interest loans on their homes. But as far as HFHC it's still 0% interest. And I know they are accepting applications starting tomorrow here.. 9/1/21
Same thing here in GA. They switched everything up recently at the last minute. I'm so ready for this to be over!
I'm located in Lithia Springs Georgia. What rules have changed? I just recently received an email that I'm income qualified. My interest in this program for the zero percent interest rate. Do you have any information to share for Georgia?
Hi if you and spouse have 2 different credit score 540 and 620 how do they base are you automatically kicked out
maybe just go with the one with the highest score. And I do believe it has to be a lil' higher than 620 (If I remember correctly). if you want to go with both of you. You and your husband would have to wait until you both met the requirements.. (But You can always ask those questions at an orientation just to be 100% sure)
How long did it take to receive a pre acceptance letter?
ummm longer than they said it would.. I remember calling them about it, but i was told that they couldn't tell me if i was accepted or not but just said just "look at it this way" No news is good news"... 🤫
since its being built from the ground up.can you tell them what style you want.or how many rooms you want.
the short answer is "NO". Habitat has a min / max # of bdrms that they offer. And depending on your household size, they'll let you know what you qualify for. Min in my case was 3 bdrm. So that is what I have. as far as style. In my process there was really only One style. BUT my house / the one I choose was the last one with a basement. the 4 after me did not have basements. They are built the same just w/no basement.. Slight differences inside but not too much. NOW the next set of house they are currently building, (if things hasn't changed & if my memory serves me correctly) they are doing 4 different styles. SO in that case they will have a choice of style (where I did not). Hope that helps.. Thanks for watching... But No you cannot Customize your house. It's not that type of Build. You have to be willing to live where they build and accept the style of house that they build, It will NOT be built to your customization (unless if they have to build anything in accordance w/ADA requirements..(but just that) Thanks for watching and for your question/comment..
@@tru1tru so I have a 4 member family
Do you think I’d get 4 bedrooms?
I just got my letter saying I gotta wait 4-6 weeks before I know I’m approved. Should I be worried about credit ?
Hi, No it' takes about that long or longer in some cases. Do you know how your credit it? If it's ok and you submitted everything required you should be good.
@@tru1tru Hi if 2 people apply together say one has excellent credit score but the other has no score at all will that work?
@@princesstgabriel5812 HELLO, You all should talk to the People at your local Habitat offices about this situation. Otherwise I would suggest the one with an excellent credit score apply and get approved once you're in the house the other could be added to deed / loan? But speak w/someone at the habitat offices for best route to take in your situation.. Thanks for watching..
@@tru1tru Will do thank you so much
I have an interview with them next week does this mean im going to get a home?
Do you have a one on one interview or is it an informational? I started out with an informational. Where it was a large group of folk all interested in buying a house with HFH. We picked up the applications here after the informational. then there was a wait time 4-6 weeks if I remember correctly. To go through all the applicants and pick the "best" ones. you get a letter in the mail to inform you that you are being considered and then would move forward from there. Thanks for watching and for your question. I hope I answered it.
I already had the informational meeting with other people, the one coming up is one on one.
@@karenyareligarcia8387 AWESOME congrats!! I'd say you're well on your way... That's the first step. Make sure you take with you everything they've asked for. It's a lot of work but well worth it to move forward through the process!!! GOOD LUCK TO YOU!!!! Yayyyy
@@karenyareligarcia8387 do you have a update?
I'm interested in But I don't know the steps
Look on the website for your location. All info would be there.
$165k is cheap I wish I could get something in that price range. Here in California you can't get 1 room for 165k 😂.... do you have a HOA?
“Cheap” to you or in your opinion! IMO it’s not cheap! Also depending on who you are and or where you reside you could pay more or less for a house! I know someone who didn’t buy Thru habitat, house is HUGE compared to mine and they paid much less than I paid! But bc where they live #Shrug but they also have interest so they’ll probably end up paying what I paid or more in the end. So it is what it is! Laugh idc I have a house 🏠. And at the end of the day. No matter how much MORE anyone pays there ain’t much more they can “actually do” in the home then I can do in mine 🤷🏽♀️
And to answer your question NO, I never want/wanted ANYTHING that I have to pay HOAs to. It’s like renting when you have to have permission to do things at “your” house no thank you
To each, their own!
Best wishes!
You could get something in that price range, move out of California 🤷🏽♀️ that’s an option 🤔
@@tru1tru How do they pick who get's a house? Is it a lottery system?
Anything in the 100k 200k range is CHEAP to ME coming from where I live. My pay wage is too good to move out of California so I guess I'll just have to pay 🤷🏾♀️ Congratulations on getting YOUR house. 👏🏾
@@erikaolivia7200 depending on where you live, I've stated that.. California is hella EXPENSIVE so pay is better than Most states, it has to be to make sense for the cost of living... to get more details on how habitat process google them near you. it's different everywhere.. even the qualifications... Just b/c you might get a house in Chicago for 150K -$220. it could start at $220 and go up from there in Cali... different areas / situations. Best Wishes and Good Luck on your journey, However you decide to go about it..
Can you sell it in the future or are there restrictions?
You can sell and profit, after a number of years, which may vary. I thought i posted a video about it. I did it, but think I haven't posted yet lol..
The counselor told me , i will earn only 2% each of the equity/appreciation of the home. 2% is really small
Hi there. You think there might be an issue if i apply with habitat humanity. For a home. Since i file bankruptcy 4 years ago. And i don't have much income only me and my son are in ssi. Could someone guide me. If this would be an issue. Thanks!!😊
I'm sorry, I'm just seeing this.. NO you should apply, I do believe they work with SSI benefits. just check your local Habitat For humanity and see when they'll be having an informational session / accepting applications.
@@tru1tru Thank you. sending blessings 🙏
Do you own the land your home is located?
Hello, not many folk own the land that their homes are built on.
How much do I have to have in my saving and checking account?
Hello, I'm not sure where you are so that information might vary (or e different) however, whatever the amount is you don't have to have the full amount at the time you apply, you do have time to save during the process I don't remember exactly but I think it was $2500 (maybe $3500) I'm thinking it was $2500
@@tru1tru chexkings and savings?
@@jeromegibson8090 savings... But they monitor both checking and savings throughout the process
@@tru1tru $3500 for chicago I called and was given that info
@@lisalittle7116 is that savings or checkings?
Why less than 700 credit score? Having a high credit score doesn't mean you're able to find affordable housing 😔
Who said it had to be less? I didn’t, I said minimum credit had to be whatever was stated! Your credit score could be a 1000 it can’t be LESS than Minimum Required. 👀 the rules are what they are….
What city you buying in??
Hi, I'm in Chicago.. it's in my "description" .
Oh ok thank you.
please help me
Thats jack up .you cant say what county you like to live in.you cant pick out the color you like.but you paying for it.i hope they made some changes to the rules.
It's not a custom build. If you want to paint after you close and get your keys. You can, once it's yours you can do what you please / within reason. b/c you'll be paying your mortgage. They use standard paints across the board. You do get to choose from a few flooring options, cabinets.. carpet (for stairs only, not wall to wall). And no habitat generally builds in up and coming areas. So if you're not willing to live where they build, it may not be the program for you. But there are other programs you may want to look into... Thanks for watching... different Habitat programs have different rules. but in general they don't deviate too differently. Thanks for watching.
Some let you pick the kitchen cabinets and countertops the siding and floors
help me start the process
I can't assist anyone with starting the process. In order to start, it first must be a program that is offered where ever you live or nearby. If that is the case then You' would simply apply. Go to an informational. Learn about the requirements and what's necessary. Fill out an application. If you meet qualifications you might be chosen. If you don't meet the qualifications they'll tell you what you need in order to get up to par.... But Nothing I can do to help you or anyone... Thanks for watching...
This a depressing video I can’t even finish it
Ummm 🤷
Girl where are you 200k for a home is CHEAP lol you funny. But do thye put you in the HOOD or GHETTO areas? California you will never find a 200k home no where here. more like 500k and up lol
Ok ms rich, 😂cheap to some it’s not cheap to others 🤷🏽♀️ I’m enjoying my house and its location
Are there any advantages of buying this way?? It does not sound like it is any better than purchasing on your own.
The #Advantage for me is the 0% interest on the life of the loan. You won't get that anywhere else. You might get a low interest home loan but 0% interest for me is what "Got Me". I'll pay for my house ONE time.. The amount that I purchased it for. Nothing more, Nothing less.... Also w/paying extra on my. loan I'll surely pay it off sooner rather than later....
F habitat. Better to buy ur own home. Nobody gonna live long enough to pay off their home anyways. So ...
👀 if you won't live long enough to pay off a home you'd bit with habitat you won't live long enough to pay off any home.
You're entitled to your feelings, have at them.
0% interest 30yr standard loan term, you'd be better paying it off then one with interest.
Anywho if your credit isn't up to par just say that.
Good luck in your endeavors
Oh and it is "your own home" just as with any home you purchase with anyone else..... but
Ehhh
@@tru1tru not sure why ur feelings got hurt. I said nobody gonna pay off their home with habitat or not.... you are too old to get offended by RUclips comments. You've got habitat and worked ur ...off to get it. Rather way,it home isnt ur home until u pay it off. Anytime u get behind, the bank can take it. Nothing in USA is urs