Habitat Homeownership

Habitat for Humanity Maui provides low income families with the opportunity to own a decent home with an affordable, no interest mortgage. Our Partner Families must provide sweat equity into the building of their house and work alongside other family members, friends, and members of the community in building the home. We offer our families a hand up not a hand out.

 
 

 

Why become a Habitat Maui homeowner?

 Affordable: Habitat Maui homes are sold based on your family size and income. This helps ensure that your monthly mortgage payments will be manageable.

Stability:The safe and secure environment of a home provides you and your family the foundation to build wealth and invest in your future.

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Education: As part of our homeownership program, you will learn the skills to manage your debt and budget for your future home through group workshops and one-on-one credit counseling.

 

Do you qualify for a Habitat Maui Home?

To purchase a Habitat Maui home, you must meet these three requirements:

  1. Need for affordable housing: Prospective Habitat homeowners must demonstrate a need for safe, affordable housing. Also, families must meet our income guidelines:                                                        Click here for the 2018 Habitat for Humanity Income Guidelines
    Example: For a family of four, monthly gross income range is $2,405 to $6,291 or at least $28,870/yr
  2. Ability to Pay: Applicants must have the ability to repay us the interest free loan. Mortgage payments are cycled back into the community to help build more Habitat houses.
  3. Willingness to Partner: Once selected, Habitat homeowners must partner with us throughout the process. This partnership includes performing  sweat equity and helping to build their own home or the homes of others in our homeownership program. Sweat equity includes taking homeownership classes or performing volunteer work in our Habitat ReStore.

If you would like to know more information about our Homeownership Program, please contact the Family Services Manager (808)242-1140.

 

Application

Unfortunately Habitat for Humanity Maui does not have any land to build on right now. We are currently building for people who have land but are unable to afford to build on it. If you have family land, Hawaiian Homestead land or can afford to purchase land but cannot afford to build a house, you may qualify to apply with us.

In order to apply you must complete a full application packet to help us to determine if you qualify for the Habitat program. You can download the application or call 242-1140 and request one be mailed.

Full Application Packet

Applications are only accepted when homes are available.

For the complete application packet – CLICK HERE

How to Turn In Application Sheet – This document tells you how and where to turn in completed applications

Application – This is the actual application so please fill it out completely and make sure to sign and date the last page

Document Check List – Please print this form out, it is to ensure all documents have been turned in and that the application is complete

IRS Tax Form 4506-T – Please fill this form out and return it to Habitat for Humanity Maui. We will send it to the IRS to verify income for the previous two years

Landlord Verification – Please print name and signature and return this form to Habitat for Humanity Maui. We will mail it directly to the landlord and they will complete the form and mail it directly back the Habitat. If you are the property owner, please put “Property Owner” on the form and return it with the application

Verification of Public Assistance – Please fill out the highlighted sections and return it to Habitat for Humanity Maui. We will mail it to the County to verify any assistance you are receiving.

Verification of Employment – Please fill out boxes 7 & 8, return it to Habitat for Humanity Maui. We will mail it to your employer and they will mail it directly back to verify your employment

Credit Report Consent – Please fill out this entire form a submit it with your application. This form allows us to pull a copy of your credit report for the application

Credit Counseling Authorization – Please fill out this form and sign the bottom. This form allows us to give you free credit counseling, which is part of the application process for Habitat for Humanity Maui

 

We are pledged to the letter and spirit of U.S. policy for the achievement of equal housing opportunity throughout the Nation. We encourage and support an affirmative advertising and marketing program in which there are no barriers to obtaining housing because of race, color, religion, sex, handicap, familial status, or national origin.