How Familes Are Selected
Family partners are selected based on meeting three criteria:
Need: Families who apply are considered for a Habitat home if their current housing is not adequate for their family size, not affordable on their income, or is unsafe. This are just some of the areas looked at by the Family Selection Committee to determine eligibility.
Ability to Pay: Mesilla Valley Habitat qualifies families based on credit (including credit patterns, types of debt, and attempts to make payments) and income. We only build for families that fall within the guidelines (below) of the median income for the City of Las Cruces. This income percentage varies with the number of people living in the home.
Habitat homes are sold–not given–to families using a normal mortgage, including taxes and insurance. Homeowners pay a $500 down payment at move-in, and monthly mortgage payments of approximately $525/month.
The difference in cost between a Habitat home and buying a new home on the open market is that Habitat for Humanity doesn’t charge interest on the mortgage.
Willingness to Partner: Each Habitat Partner Family agrees to contribute 250 for single applicant/500 for dual applicant families “sweat equity hours” to the process. In the first two years of partnership with Habitat (or before they move in to their home), families contribute to the needs of the organization as well as the construction of Habitat homes–theirs and other families’.