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Homeownership in West Grove

*TheWest Grove Application Window is Now Closed

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About our Homeownership Program

Habitat for Humanity of Chester County works in partnership with the USDA, volunteers, donors, and the entire Chester County community to build simple, decent, affordable homes for low-income families.

 

Habitat homes are not free; homeowners will have a 502 loan with the USDA. Interest rates will depend on market value but are significantly lower than traditional lender rates. There is a second mortgage with Habitat for Humanity that is not paid until the homeowner sells their home.

 

We ask each adult partner family member to complete at least 50 hours of “sweat equity” helping to build their neighborhood or other Habitat for Humanity Homes.

We are currently looking for partner families for homes we are building and rehabbing in West Grove.

 

**Please note that the application process for our West Grove properties is a partnership between Habitat for Humanity and the USDA and is NOT the same process. 

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To qualify for our program:

  • You must be within the income limits and cannot get a loan by conventional means. The size of the household determines the range of income needed to qualify for a home. The income ranges are below:

 

1-4 person home: $45,900-$91,750

5-8 person home: $61,950-$121,150

 

  • Hold US citizenship or permanent resident status

  • Unable to purchase a home through any other means

  • Must have a fairly clean credit report or be able to speak to any damaging items on the report

  • Applicants should access their free credit report at www.annualcreditreport.com and contact a credit counselor to clear any negative remarks

  • Credit score needs to be around 640 or higher

  • No bankruptcies allowed in the past 7 years

  • Household debt to Income ratio should be 41%  or less

  • No outstanding liens or judgments

  • No felonies present on a nationwide background check

  • Agree to complete a minimum of 50 hours of volunteer time (known as “Sweat Equity”) prior to closing on your home

  • Agree to complete a series of homeownership workshops

  • Agree to maintain your Habitat home in a manner that reflects pride in homeownership

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Take a virtual tour of a home in Fuller Meadows!
Located at 121 South Guernsey Road West Grove, PA 19390

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Questions?

Questions?

Contact Brooke Seeger
Community Program Director
brooke@hfhcc.org
610-384-7993 ext. 115

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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.

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