We build strength, stability and self-reliance through shelter.

You CAN own a home!

HabiJax

Homeownership

Program

Information

About Habitat for Humanity of

Jacksonville (HabiJax)• Founded in 1988

• One of 1,300 affiliates of Habitat for Humanity in US and in 70 countries

• Nonprofit Christian ministry

• Works toward our vision by building strength, stability and self-reliance in partnership with people and families in need of a decent and affordable home.

• Built over 2,300 homes in Duval County, more than any other US affiliate

HabiJax Mission & Vision

• Mission

Seeking to put God's love into action, Habitat for Humanity brings people

together to build homes, communities and hope.

• Global Vision

A world where everyone has a decent place to live.

• Local Vision

HabiJax is a catalyst for comprehensive community engagement and

transformation in a vibrant city where all residents, neighborhoods, and

businesses collaborate in its development.

What does homeownership mean to YOU?

“Owning a home is a keystone of wealth

— both financial affluence and emotional security.”~ Suze Orman

• An asset to pass down to family members

• Putting money towards a permanent place to live

rather than a temporary one

• Taking pride in having a place to call “yours”

• Owning a house that you can call HOME

Benefits of Purchasing a Home with

HabiJax

• 1% down payment

• High quality new or existing housing product

• Affordable mortgage payment

• Establishes personal wealth

Frequently Asked Questions

HabiJax sells homes to families, right?

CORRECT! Some think that HabiJax houses are given away or donated. HabiJax homeowners qualify for affordable

loans and make monthly mortgage payments repaying the loan, along with property taxes, homeowners insurance

and, if applicable, homeowner's association fees. Your mortgage payment will be 30% or less of your monthly income.

Who does HabiJax sell homes to?

HabiJax is an equal housing lender so anyone who qualify for a loan is eligible to buy a home from us. Our families are

very diverse - single people or parents, and married couples with or without children.

Where does HabiJax build homes?

HabiJax builds in the Urban Core of Jacksonville - the neighborhoods that surround the downtown area. We build here

because these are the areas with the greatest need, and the land is affordable so it helps keep our costs low and the

houses affordable.

Is HabiJax a government program?

No. HabiJax is a local affiliate of Habitat for Humanity, a worldwide nonprofit organization.

• The Hicks Prep Club is an enrichment program for students (grades 7-12), who reside in Jacksonville Housing Authority, Section 8, and HabiJax properties (Homebuyer’s children are included)

• The Prep Club utilizes monthly meetings, a book club, test prep, and other programs to assist students in reaching their full academic potential

• The Prep Club also offers an incentive program that rewards students for their hard work and achievements en-route to applying for and becoming Hicks Scholars

• The Program is generously funded by the Hicks family.

Where We Build• HabiJax builds in the following neighborhoods at

this time:

– New Town (Kings Rd & Myrtle Ave area)

– Royal Terrace (45th and Moncrief Rd area)

– Phoenix (Phoenix Ave area)

– Long Branch (E 21st and Main St area)

– Grand Boulevard (off of Moncrief Rd)

– Robinson’s Addition (near Jacksonville Farmers Market)

– McCoys Creek Area (off of Stockton)

– North Riverside (North of I-10)

Removing Blight

PRINCE STREET 32209

BEFORE

BEFORE DEMOLITION

Removing Blight

PRINCE STREET 32209 – 3/2 RIVERSIDE

BEFOREBEFORE

DEMOLITION

EXAMPLES OF HOUSE STYLES (SUBJECT TO CHANGE)

House Description• Houses are approximately 1,000 – 1,350 square feet, one and two

story homes with vinyl siding, stone, or brick wainscot (border)

• Central heating and air conditioning

• Stove, refrigerator, washer and dryer included

• All rooms are painted off-white

• Mini-blinds on all windows

• Ceiling fans in the living room and all bedrooms

• Wall to wall carpeting except for vinyl in the kitchen, bathrooms, entry

way and laundry area

3 BEDROOM / 2 BATHROOM FULL PORCH ATTACHED STORAGE

1,125 SQUARE FEET ISLAND OR BREAKFAST BAR IN KITCHEN

ACCESSIBLE FLOORPLAN AVAILABLE BRICK OR STONE WAINSCOT opt.

Traditional House Styles – Fuller & Barker

3 BEDROOM / 2 BATHROOM HALF PORCH 1,191 SQUARE FEET

Traditional House Styles – Barker with Garage

3 BEDROOM / 2 BATHROOM COVERED FRONT PORCH ATTACHED STORAGE

1,125 SQUARE FEET BREAKFAST BAR KITCHEN BRICK WAINSCOT

Traditional House Style - Ranch

3 BEDROOM / 2 BATHROOM FULL PORCH DECORATIVE GABLE opt.

1,170 SQUARE FEET BRICK COLUMNS DETACHED STORAGE

VAULTED CEILING ADDITIONAL FLOOR PLANS AVAILABLE

Designer House Styles – Baldwin & Wiley

3 BEDROOM / 2 BATHROOM FULL PORCH DECORATIVE GABLE opt.

1,170 SQUARE FEET BRICK COLUMNS DETACHED STORAGE

VAULTED CEILING ADDITIONAL FLOOR PLANS AVAILABLE

Designer House Style – Sommer

3 BEDROOM / 2.5 BATHROOM

COVERED ENTRYWAY BRICK COLUMNS DECORATE SHAKE GABLE

1,118 SQUARE FEET DETACHED STORAGE ½ OR FULL PORCH

Two Story House Style – Pearce B & Pearce C

3 BEDROOM / 2 BATHROOM FULL PORCH ATTACHED STORAGE

1,205 SQUARE FEET STONE COLUMNS BRICK WAINSCOT

AVAILABLE IN 4 BEDROOM / 2 BATHROOM & 5 BEDROOM / 2 BATHROOM (ONLY KLUTHO)

Classic House Styles – Craftsman & Klutho

3 BEDROOM / 2 BATHROOM FULL PORCH ATTACHED STORAGE

1,375 SQUARE FEET

Classic House Styles – Jackson 2

3 BEDROOM / 2 BATHROOM COVERED FRONT PORCH ATTACHED STORAGE

1,500 SQUARE FEET BREAKFAST BAR KITCHEN BRICK WAINSCOT

AVAILABLE IN 4 BEDROOM / 2 BATHROOM

Attached Town Homes

HOW TO QUALIFY

Program Criteria

• Ability to pay

• Need

• Willingness to partner

Ability to Pay• Income must be between 35% and 80% of the median

income of Duval County

• Credit score of 620 or higher.

• Delinquent debt less than $1,000 (no one account can be

more than $250)

• If no credit score, you must meet non-traditional credit

guidelines

• Must be able to make a down payment equal to 1% of the

purchase price of the home after you have been approved

Income RequirementsMonthly Gross Income for Duval County

Occupants of

HouseMinimum Maximum

One (1) $1,429 $3,263

Two (2) $1,633 $3,729

Three (3) $1,838 $4,196

Four (4) $2,042 $4,658

Five (5) $2,204 $5,033

Six (6) $2,367 $5,404

Seven (7) $2,533 $5,779

Eight (8) $2,696 $6,150

Need

• Inadequate shelter because of problems with

heating, electricity, water supply, structural safety, etc.

• Overcrowding in the household

• Spending more than 40% of income on housing

• Residing in a drug or crime infested neighborhood

• Residing in subsidized housing

• Residence not secured by a lease agreement

Willingness to Partner

• A total of 300 sweat equity hours are required from each homebuyer family

• Accept a home in neighborhoods in which HabiJax operates

• Owner occupied throughout term of mortgage

• Make monthly mortgage payments on time once you have closed

Credit Report Fee

1. If applying online, you can pay online using our easy

form

2. If submitting a paper form, you may submit your

payment online or bring a money order or check to the

office during the application period

Eligibility Process

1. Submit Interest Form

2. Appointment scheduled

3. Submit loan application– A counselor will review your application and your income documentation and will submit your

file to the bank for loan approval

– A search is performed in the National Sex Offender Registry

– The bank will work to make sure you meet the income limits, that your debt load is not too high, and that your rental history is good

– Information submitted to which lender is based on your income

4. Assessment of need

5. Approval or denial

*Credit counseling and financial workshops may be scheduled to prepare for application

Homebuyer Process

• Orientation- after loan approval

• Sweat equity

Total of 300 volunteer hours per homebuyer family

Can be completed:

a. On the construction site

b. At HabiJax Restores

c. At HabiJax Office

d. Community Meetings as designated by HabiJax

• 120 day recertification

Homebuyer Process

• Purchasing a home– Individual tour and house showings

– Down payment Total of 1% of the Purchase Price

A minimum of $500 must be paid before eligibility to sign a contract on a property

60 to 120 days to pay the remaining down payment, after signing a contract depending upon the construction schedule

• Educational workshops

• Construction of your home

• Closing

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