Homeownership | Nassau Habitat for Humanity

A Home of Your Own

Homeownership Qualifications

We are in the process of constructing 4 homes for 2024. We are under the Equal Housing Opportunity act – meaning we select applicants without regard to religion, race, ethnic background, family status, or disability.

CHECK QUALIFICATIONS

Criteria for Qualifications

Must meet HUD Income Guidelines
Must have a 2-year stable employment history
All existing liens or judgments must be paid
Must have lived or worked in Nassau County for at least 12 months
Must have the ability to pay their mortgage

Do You Have a Need for Safe and Affordable Housing?

Is Your Home:

Overcrowded
Inadequately heated or cooled
Structurally unsound
Costing more than 30% of your income
In a crime or drug infested neighborhood
Part of a public housing or Section 8 housing program

Ability to Partner

The applicant will have to complete a total of 300 sweat equity hours – whereas 100 of those hours needs to be completed by the homeowner and the other 200 hours can be completed with friends and family (16 years old and up), as well as the homeowner. These hours can be completed at their soon-to-be home as well as any other homes being built. The homeowner is required to be at the job-site as much as possible.

Mortgage Guidelines

The applicant must accept a 25 to 30-year mortgage and live in the home for the term of the mortgage. The homeowner must make all payments on time. They must accept our mortgage policy.

Financial and Maintenance Education

The homeowner will also need to complete a minimum of 20 hours of financial and maintenance classes.

Pre-Purchased Lots

The applicant has to accept a home where we build it.

Property Maintenance Classes

Property maintenance needs to be kept up with constantly as these homes always represent NHFH:

Keep yard mowed – all leaves, trash, and non-running vehicles out of the yard
Keep mailbox post painted
Keep house, eve boards, roof and foundation washed and free of dirt, mold, and mildew

Nassau County Habitat for Humanity is a 501(c)(3) organization. All donations are 100% tax deductible as a charitable gift for federal income tax purposes.

In accepting and rejecting applications, N.H.F.H. must conform to all aspects of the Fair Housing Act and all Fair Housing Laws, the Equal Credit Opportunity Act, the Fair Credit Reporting Act, the Privacy Act, the Americans with Disabilities Act, as well as any local applicable laws as they apply to applications for a mortgage. Read all Policies / Statements here.

Location

516 S. 10th St. Suite #115.
Fernandina Beach FL, 32034

Phone & Hours

(904) 277- 0600
Monday and Thursday 9am -4pm

A Home of Your Own