Paulding County Guidelines

Are you ready to own a NW Metro Atlanta Habitat home?

To be considered as a candidate to purchase a NW Metro Atlanta Habitat for Humanity home you must be able to answer “Yes” to all of the following questions:

1. Are you a U.S. citizen or permanent legal resident?
2. Do you live OR work in Paulding County and have been here for at least one year?
3. Are you a first-time homebuyer?
4. Have you lived independently for at least one (1) year?
5. Can you demonstrate a NEED? Your present housing is not adequate (unsafe, not maintained, overcrowded, and/or unaffordable) and you are unable to obtain adequate housing through other conventional means.
6. Can you demonstrate an ABILITY TO PAY?
   • Prove a steady source of income.
   • Show good credit.
   • Demonstrate a positive, monthly, cash-flow (a net balance of cash-on-hand after all expenses are paid)
   • Charged-off debts or debts in collections are $250 or less.
   • If you have declared bankruptcy, it must have been discharged for three years. If it was dismissed, you must have paid off all of the debts to the bankruptcy.
   • Does your yearly income fall within minimum and maximum limits below:

2009 Guidelines
Based Upon a Family Size Of	Income Before Taxes Not Less Than	Income Before Taxes Not More Than
One	$15,050	$40,150
Two	$17,200	$45,900
Three	$19,350	$51,600
Four	$21,500	$57,350
Five	$23,200	$61,950
Six	$24,950	$66,550
Seven	$26,650	$71,100
Eight	$28,400	$75,700



7. Are you WILLING TO PARTNER with NW Metro Atlanta Habitat? As part of the program you will be required to spend a minimum of 100 hours helping build another home and 100 hours building your own home. Construction normally takes place on Saturdays. You will also need to attend required Homeownership Classes.

If you (and your co-applicant, if you have one) answered "no" to any of these questions, please revisit us when you can answer "yes" to all of them. If you would like to learn more about homeownership at our next applicant meeting, complete the online interest form and we will email and/or send you a letter to notify you of the next date, location and time of meeting. Interest Form