l. To qualify you must demonstrate that your current housing is inadequate. For example: no
indoor plumbing, poor heating, leaks in the roof, overcrowding (three or more to a bedroom),
unsafe or unsanitary conditions.

2. You need to have lived in San Juan County for a year.

3. Your total family income should not exceed $38,280 for a family of four per year which is
60% of the median income for San Juan County.

4. With your permission, we will verify employment and other income, verify checking and
savings account balances, get a statement from your current and previous landlords, have a
credit check done, and ask you for credit references.

5. If you are approved for a Habitat home, you will be required to join in programs to learn and
practice budgeting, home repair, and maintenance. You will, also, attend Habitat for
Humanity homeowners' meetings.

6. If approved for a Habitat home, we require that each adult 18 years and older in your family
must be willing to work on the house for 200 hours over a six-month period. This is your
“sweat equity."

7. If approved for a Habitat home, $500.00 will be needed for a down payment and required to
be paid prior to construction beginning on your home. In addition, there will be closing costs
of one percent of the anticipated sale price of the home projected to be about $1,500.00.

8. If you are approved for a home and if you meet the sweat-equity and down payment
requirements, then we will sell you a home at cost. Habitat house payments include taxes and
insurance and will cost* approximately $650 to $700 a month. The house payments will be used
by Habitat to build more houses with other families. This requires that you make these payments
on time.