Homeownership Information Session

CITY OF WINCHESTER AND FREDERICK COUNTY

We are currently looking for a family for

516 Fremont Street | Winchester, VA 22601

(3br, 1.5 bath, 1368 sq ft)

Applications can be picked up at the ReStore or the Habitat for Humanity office during regular business hours during the Open Application Period. Earn points towards your application by attending Homeownership Information Sessions. Register for sessions by clicking here.

INFORMATION SESSIONS

Saturday, August 17th, 10:00 AM, Location: Habitat Conference Room, 400 Battaile Drive | Winchester, VA 22601

Thursday, August 22nd, 5:30 PM, Location: Habitat Conference Room, 400 Battaile Drive | Winchester, VA 22601



SHENANDOAH COUNTY

We are currently looking for a family for 263 Shenandoah Street | Mount Jackson, VA (3br, 2 bath, 1300 sq ft)

If you live in Shenandoah County, an application can be mailed to you applications can also be picked up at First Bank: 5304 Main St | Mt. Jackson, VA 22842. Please note the income eligibility level for houses in this county are different than Frederick County (see below).


INFORMATION SESSIONS

Friday, August 30th, 3:00 PM, Location: Shenandoah County

Monday, September 2nd, 12:00 PM, Location: Shenandoah County

Homeownership Program: Criteria

WILLINGNESS TO PARTNER

· Sweat Equity

· Homeowner financial classes

· Home maintenance class

NEED

· Area Median Income (AMI) 30% - 70%

· Rent more than 30% of income

· Physical need examples: little or no insulation, Overcrowding

ABILITY

· Able to pay an affordable mortgage

· Debt-to-Income Ratio must meet guidelines

· No liens or judgments

RESIDENCY

· Live or work in the geographical service area for at least one year (City of Winchester, Frederick County, Clarke County, or Shenandoah County)

·U.S. Citizen, Permanent Resident Status


Area Median Income (AMI) is based on the gross household income (i.e. the income of everyone who will in live in the home before taxes) and family size. For example, a single head of household with 2 children is a family of 3. On the other hand, 2 adults with one child is also a family of 3. Finally, AMI is evaluated by where the home will be located.

AMI updated May 23, 2019

Income Guidelines for the City of Winchester

Feb 2019 AMI

Income Guidelines for Shenandoah County

Income Guidelines

Also important to know

Blue Ridge Habitat is constantly searching our geographical service area real estate market for appropriate homes and/or lots to purchase as part of our property inventory. Nevertheless, we may not always have a home available that fits the family’s needs.

All the information about applicants collected by Blue Ridge Habitat for Humanity is confidential. Please make a copy of all the materials you send to us and keep your records together in a safe place.

Blue Ridge Habitat will conduct a background check which includes sex offender registry.

Once a home is completed, and the family has completed their requirements, it can sometimes take up to two months before closing on the house, especially when certain governmental funding sources are involved.

There is an nonrefundable application fee of $35


If you have any questions please call us at 540.662.7066.

Application Packet English.pdf

Download the application packet here

Blue Ridge Habitat for Humanity

400 Battalie Drive | Winchester, VA 22601