Cadia Townhomes

Cadia Townhomes Application
Eligibility Requirement: To be considered for a Cadia townhome, applicants must live or work in Matthews, Mint Hill, or the Mecklenburg County portion of Stallings for at least the past 12 months. Applications submitted by individuals who do not meet this requirement will be automatically disqualified. Please note that all application fees are non-refundable, regardless of eligibility status.
Does the applicant live or work in Matthews, Mint Hill or the Mecklenburg County portion of Stallings?
You Are Not Eligible to Apply
Based on your response, you do not meet the residency/employment requirement for this Cadia townhome application. Applicants must live or work in Matthews, Mint Hill, or the Mecklenburg County portion of Stallings to be eligible. If you have questions about this requirement, please contact Jeffrey@habitatmatthews.org.

Eligibility Requirement: To be considered for a Cadia townhome, applicants must have an income between $63,400 & $117,400 annually. Applications submitted by individuals who do not meet this requirement will be automatically disqualified. Please note that all application fees are non-refundable, regardless of eligibility status.
Does the applicant have a household income between $63,400 & $117,400 annually?
You Are Not Eligible to Apply
Based on your response, you do not meet the income requirement for this Cadia townhome application. If you have questions about this requirement, please contact Jeffrey@habitatmatthews.org.

By selecting the box below, I understand that submission of an application does not guarantee my acceptance into the program and that my application fee is non-refundable.

Applicant Information
Applicant Name:

First NameLast Name
Applicant's Phone Number:
Please enter a valid phone number.Format: (000) 000-0000.
Applicant's Email:
example@example.com
Applicant's Date of Birth:

MonthDayYear
2 digit month, 2 digit day, 4 digit yearDate
Applicant's Social Security Number:
Has the applicant used any other names or social security numbers?
Please list any additional names or social security numbers used by the applicant, along with the years they were changed:
Marital Status:
Applicant Address:

Street Address

Street Address Line 2

CityState / Province

Postal / Zip Code
Is your mailing address different from your current address?
Mailing Address:

Street Address

Street Address Line 2

CityState / Province

Postal / Zip Code

Applicant Identification

Please provide photos or photocopies of the below documents. We will need to see the originals of all ID documentation at a later stage in the process.
Copy of Applicant's Driver's License or State ID:

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Copy of Applicant's Social Security Card:

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Copy of Applicant's Birth Certificate:

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If applicable, legal residency info for Applicant (Certificate of Citizenship, Certificate of Naturalization, Permanent Resident Alien Card):

Cancelof

Is there a co-applicant?

Co-Applicant Information
Co-Applicant's Name:

First NameLast Name
Co-Applicant's Phone Number:
Please enter a valid phone number.Format: (000) 000-0000.
Co-Applicant's Email:
example@example.com
Co-Applicant's Social Security Number:
Co-Applicant's Date of Birth:

MonthDayYear
2 digit month, 2 digit day, 4 digit yearDate
Has the co-applicant used any other names or social security numbers?
Please list any additional names or social security numbers used by the co-applicant, along with the years they were changed:
Is the co-applicant's address different from the applicant?
Co-Applicant's Current Address:

Street Address

Street Address Line 2

CityState / Province

Postal / Zip Code

Co-Applicant Identification

Please provide photos or photocopies of the below documents. We will need to see the originals of all ID documentation at a later stage in the process.
Copy of Co-Applicant's Driver's License or State ID:

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Copy of Co-Applicant's Social Security Card:

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Copy of Applicant's Birth Certificate:

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If applicable, legal residency info for Co-Applicant (Certificate of Citizenship, Certificate of Naturalization, Permanent Resident Alien Card):

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Are there additional household members? (including children)

Additional Household Member Information

List all household members, including yourself, who will be living in your GMHFH home.

Additional Household Member's Identification

Please provide photos or photocopies of the below documents. We will need to see the originals of all ID documentation at a later stage in the process.
Copies of Additional Household Member's Social Security Cards:

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Copies of Additional Household Member's Birth Certificate:

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Rental History

Please provide the last 2 years of rental history. If you have been living at your current place of residence for less than 2 years, please include your previous rental history.
Landlord/Apartment Name:
Landlord Address:

Street Address

Street Address Line 2

CityState / Province

Postal / Zip Code
Landlord Phone Number:
Please enter a valid phone number.Format: (000) 000-0000.
Fax Number:
Please enter a valid phone number.Format: (000) 000-0000.
Name on Lease:

First NameLast Name
Move-In Date:

MonthDayYear
2 digit month, 2 digit day, 4 digit yearDate
Monthly Rent:
Number of Bedrooms:
Number of Bathrooms:
How many people live or were living here (including applicant)?
Do you feel safe in the structural condition of your rental?
Please explain:

Do you need to add another residence to your rental history?

Rental History 2

Please provide the last 2 years of rental history. If you have been living at your current place of residence for less than 2 years, please include your previous rental history.
Landlord/Apartment Name:
Landlord Address:

Street Address

Street Address Line 2

CityState / Province

Postal / Zip Code
Landlord Phone Number:
Please enter a valid phone number.Format: (000) 000-0000.
Fax Number:
Please enter a valid phone number.Format: (000) 000-0000.
Name on Lease:

First NameLast Name
Move-In Date:

MonthDayYear
2 digit month, 2 digit day, 4 digit yearDate
Monthly Rent:
Number of Bedrooms:
Number of Bathrooms:
How many people live or were living here (including applicant)?
Did you feel safe in the structural condition of your rental?
Please explain:

Do you need to add another residence to your rental history?

Rental History 3

Please provide the last 2 years of rental history. If you have been living at your current place of residence for less than 2 years, please include your previous rental history.
Landlord/Apartment Name:
Landlord Address:

Street Address

Street Address Line 2

CityState / Province

Postal / Zip Code
Landlord Phone Number:
Please enter a valid phone number.Format: (000) 000-0000.
Fax Number:
Please enter a valid phone number.Format: (000) 000-0000.
Name on Lease:

First NameLast Name
Move-In Date:

MonthDayYear
2 digit month, 2 digit day, 4 digit yearDate
Monthly Rent:
Number of Bedrooms:
Number of Bathrooms:
How many people live or were living here (including applicant)?
Did you feel safe in the structural condition of your rental?
Please explain:

Applicant Employment Information
Name of Employer:
Employer Phone Number:
Please enter a valid phone number.Format: (000) 000-0000.
Employer Address:

Street Address

Street Address Line 2

CityState / Province

Postal / Zip Code
Position:
Length of Employment:
Are you paid hourly or on salary?
Hourly Wage:
Yearly Salary:
How many hours do you work each week?
How often are you paid?
Are you self-employed?

Does the applicant need to list another employer?

Applicant Employment Information 2
Name of Employer:
Employer Phone Number:
Please enter a valid phone number.Format: (000) 000-0000.
Employer Address:

Street Address

Street Address Line 2

CityState / Province

Postal / Zip Code
Position:
Length of Employment:
Are you paid hourly or on salary?
Hourly Wage:
Yearly Salary:
How many hours do you work each week?
How often are you paid?
Are you self-employed?

Does the applicant need to list another employer?

Applicant Employment Information 3
Name of Employer:
Employer Phone Number:
Please enter a valid phone number.Format: (000) 000-0000.
Employer Address:

Street Address

Street Address Line 2

CityState / Province

Postal / Zip Code
Position:
Length of Employment:
Are you paid hourly or on salary?
Hourly Wage:
Yearly Salary:
How many hours do you work each week?
How often are you paid?
Are you self-employed?

Co-Applicant Employment Information
Name of Employer:
Employer Phone Number:
Please enter a valid phone number.Format: (000) 000-0000.
Employer Address:

Street Address

Street Address Line 2

CityState / Province

Postal / Zip Code
Position:
Length of Employment:
Is the co-applicant paid hourly or on salary?
Hourly Wage:
Yearly Salary:
How many hours a week does the co-applicant work?
How often is the co-applicant paid?
Is the co-applicant self-employed?

Does the co-applicant need to list another employer?

Co-Applicant Employment Information 2
Name of Employer:
Employer Phone Number:
Please enter a valid phone number.Format: (000) 000-0000.
Employer Address:

Street Address

Street Address Line 2

CityState / Province

Postal / Zip Code
Position:
Length of Employment:
Is the co-applicant paid hourly or on salary?
Hourly Wage:
Yearly Salary:
How many hours a week does the co-applicant work?
How often is the co-applicant paid?
Is the co-applicant self-employed?

Does the co-applicant need to list another employer?

Co-Applicant Employment Information 3
Name of Employer:
Employer Phone Number:
Please enter a valid phone number.Format: (000) 000-0000.
Employer Address:

Street Address

Street Address Line 2

CityState / Province

Postal / Zip Code
Position:
Length of Employment:
Is the co-applicant paid hourly or on salary?
Hourly Wage:
Yearly Salary:
How many hours a week does the co-applicant work?
How often is the co-applicant paid?
Is the co-applicant self-employed?

Monthly Income Sources
List all sources of current monthly income for ALL HOUSEHOLDS MEMBERS, such as job compensation, Social Security, SSI (disability), child support, kinship care benefits, unemployment compensation, KTAP, TANF, or income earned from seasonal work:
Applicant Income Information:
Co-Applicant Income Information:
Additional Household Members Income Information:
If you receive child support, alimony, or separate maintenance, do you want this included in Habitat's financial analysis?
Total Monthly Household Income:
Total Yearly Household Income:

Financial Information

Please provide copies of the below documents for BOTH Applicant & Co-Applicant
Employment Verification - Last 2 months pay stubs from current employers (If Self-Employed, please provide: Two (2) most recent Tax Returns (form 1040, including schedule C), Quarterly Profit & Loss Statement (P&L):

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Bank Statements - 3 months of statements:

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Income Tax Returns - Complete copies of income tax returns for the past TWO (2) years:

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W2s - Copies from the past two (2) years:

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Additional Financial Documentation
Please provide copies of the the following documents for the applicant, co-applicant, and additional household members, if applicable:
- SSI/SSA Income - A Social Security Statement of Benefits or annual award letter
- Public Assistance - A letter from the county to verify proof that you are receiving
- Subsidized Housing - Paperwork from a housing authority which indicates you currently live in subsidized housing
- "Zero Income" Verification Form - If unemployed or not currently working
- Divorce or legal separation papers
- Court papers if receiving child support
- Proof of Full-Time student status for any dependent 18 years or older
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Household Assets
Please list the values of any of the following assets, if applicable:
Bank Accounts
Other Assets (Retirement Plans, Stocks, Bonds, Other Bank Accounts)
Automobiles

Liabilities
Please list your monthly expenses for the following bills:
Rent:
Electricity:
Gas/Heat:
Water & Sewer:
Cable/Internet:
Phone:
Insurance:
Child Support:
Child Care:
Other:
Other:
Other:
Debts: Money Owed

Willingness to Partner
To be considered for Greater Matthews Habitat homeownership, you and your family must be willing to complete volunteer HIP-hours. Individual applicants must complete 50 hours within the 60–90 days leading up to closing. For couples applying together, each person must complete 50 hours, for a combined total of 100 hours during the same pre-closing period.
Is the applicant willing to complete the required volunteer HIP- hours?
Is the co-applicant willing to complete the required volunteer HIP- hours?
Is the applicant willing to sign a media release and have their photo, video, and personal housing story shared with our social media, sponsors, and the press to help promote the program and need for affordable housing in our community?*
Is the co-applicant willing to sign a media release and have their photo, video, and personal housing story shared with our social media, sponsors, and the press to help promote the program and need for affordable housing in our community?*
* This answer will not affect this application or acceptance into the program.

Referral Source
How did you hear about Greater Matthews Habitat for Humanity?

Armed Forces
Is the applicant an active military personnel?
Is the co-applicant an active military personnel?
Is the applicant a U.S. veteran?
Is the co-applicant a U.S. veteran?

Acknowledgement & Agreement
Each of the undersigned specifically represents to Greater Matthews Habitat for Humanity ("Habitat") and to Habitat's actual or potential agents, brokers, processors, attorneys, insurers, servicers, successors and the assigns and acknowledges that: (1) The information provided in this application is true and correct as of the date set forth opposite my signature and that any intentional or negligent misrepresentation of this information contained in this application may result in civil liability, including monetary damages, to any person who may suffer any loss due to reliance upon any misrepresentation that I have made on this application, and/or in criminal penalties including but not limited to, fine or imprisonment or both under the provisions of Title 18, United States Code, SEC.1001, et. Seq.; (2) The loan requested pursuant to this application (the "Loan) will be secured by a mortgage or deed of trust on the property to be purchased; (3) The property will not be used for any illegal or prohibited purpose or use; (4) All statements made in this application are made for the purpose of obtaining a residential mortgage loan; (5) The property will be occupied as indicated on this application, (6) Habitat, its servicers, successors, or assigns may retain the original and/or electronic record of this application, whether or not the application/Loan is approved; (7) Habitat and its agents, brokers, insurers, servicers, successors and assigns may continuously rely on the information contained in the application, and I am obligated to amend and/or supplement the information provided in the application if any of the material facts that I have represented herein should change prior to closing the Loan; (8) in the event that my payments on the Loan become delinquent, Habitat its servicers, successors or assigns may, in addition to any other rights and remedies that it may have relating to such delinquencies, report my name and account information to one or more consumer reporting agencies; (9) Ownership of the Loan and/or administration of the Loan account may be transferred with such notice as may be required by law; (10) Neither Habitat or its agents, brokers insurers, servicers, successors or assigns has made any representation or warranty, express or implied, to me regarding the property or condition or value of property.
Certification

Acknowledgment: Each of the undersigned hereby acknowledgesthat any owner of the Loan, its servicers, successors and assigns, may verifyor re-verify any information contained in this application or a consumerreporting agency. I certify that all the information for theduration of the application process provided to Greater Matthews Habitat forHumanity is true and correct to the best of my knowledge. I understand thatfalse or misleading information may be grounds for rejection of my applicationand termination from the program at any time without explanation. Iunderstand that the completion of my application in no way guarantees that Iwill receive assistance from Greater Matthews Habitat for Humanity. Iunderstand that signing below gives Greater Matthews Habitat for Humanitypermission to conduct all applicable background and credit checks and to shareinformation with other service agencies. I understand that by signingthis application I have read and understood all information disclosed to meregarding my rights as an applicant and potential borrower in regards to theFair Credit Reporting Act Disclosure, Equal Credit Opportunity Act Disclosureand Fair Lending Notice Disclosure.
Applicant's Signature:
Date

MonthDayYear
2 digit month, 2 digit day, 4 digit yearDate
Co-Applicant's Signature:
Date

MonthDayYear
2 digit month, 2 digit day, 4 digit yearDate

Appraisal Notice Disclosure
Loan Info:

Lender: Greater Matthews Habitat for Humanity

Lender Address: PO Box 2008, Matthews, NC 28106

Right to Receive Copy of an Appraisal Report

This disclosure is to notify you that we may order an appraisal or other property valuation in connection with your loan, and we may charge you for this appraisal or property valuation. Upon completion of the appraisal or property valuation, we will promptly provide a copy to you, even if the loan does not close.
Applicant's Signature:
Date

MonthDayYear
2 digit month, 2 digit day, 4 digit yearDate
Co-Applicant's Signature:
Date

MonthDayYear
2 digit month, 2 digit day, 4 digit yearDate

Privacy Policy Statement & Notice
At Greater Matthews Habitat for Humanity, we are committed to keeping your information private. We recognize the importance applicants, program families, tenants, and homeowners place on the privacy and confidentiality of their information. While new technologies allow us to more efficiently serve our customers, we are committed to maintaining privacy standards that are synonymous with our established and trusted name.

When we collect, store and retrieve applicant, family, tenant, and homeowner data, such as tax returns, pay stubs, credit reports, employment verifications and payment history, we maintain internal controls throughout the process to ensure security and confidentiality.

We collect nonpublic personal information about you from the following sources:
- Information we receive from you on applications or other forms;
- Information about transactions with us, our affiliates, or others;
- Information we receive from a consumer reporting agency
We may disclose the following kinds of nonpublic personal information about you:

Information we receive from you on applications or other forms, such as your name, address, social security number, assets, debts, income, etc;
Information about your transactions with us, our affiliate, or others such as your loan balance, payment history, monthly payment, etc;
and information we receive from a consumer reporting agency such as your creditworthiness and credit history.

Greater Matthews Habitat for Humanity’s employees are subject to a written policy regarding confidentiality and access to applicant data is restricted to staff and volunteers on an as needed basis. Information is used for lawful business purposes and is never shared with third parties without your consent, except as permitted by law.

As permitted by law, we may disclose nonpublic personal information about you to the following type of third parties:

Financial service providers, such as mortgage servicing agents; Nonprofit organizations or governments; and Credit Counseling Agencies.

If you prefer that we do not disclose non-public personal information about you to nonaffiliated third parties, you may opt out of those disclosures, that is, you may direct us not to make those disclosures (other than permitted by law). If you wish to opt out of disclosures to nonaffiliated third parties, you may call Greater Matthews Habitat for Humanity at (704) 847-4266.
Applicant's Signature:
Date

MonthDayYear
2 digit month, 2 digit day, 4 digit yearDate
Co-Applicant's Signature:
Date

MonthDayYear
2 digit month, 2 digit day, 4 digit yearDate
Greater Matthews Habitat for Humanity is an Equal Housing Opportunity Provider. We are pleased to the letter and spirit of the 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.

Equal Credit Opportunity Act Notice
The Federal Equal Credit Opportunity Act Prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status, age (provided the applicant has the capacity to enter into a binding contract); because all or part of the applicant's income derives from any public assistance program, or because the applicant has in good faith exercised any right under the Consumer Credit Protection Act. The Federal Agency that monitors compliance with this law concerning this company is the Federal Trade Commission, with offices at: FTC Southeast Region -- FTC ,STE 1500 Atlanta, GA 30303 or FTC, Equal Credit Opportunity, Washington DC 20580.

You need not disclose income from alimony, child support or separate maintenance payment if you choose not to do so. However, because we operate a Special Purpose Credit Program, we may request and require, in order to determine an applicant's eligibility for the program and the affordable mortgage amount, information regarding the applicant’ marital status; alimony; child support; and separate maintenance income and the spouse's financial resources.

Accordingly, if you receive income from these sources and so not provide this information with your application, your application will be considered incomplete and we will be unable to invite you to participate in the Habitat program.
Applicant's Signature:
Date

MonthDayYear
2 digit month, 2 digit day, 4 digit yearDate
Co-Applicant's Signature:
Date

MonthDayYear
2 digit month, 2 digit day, 4 digit yearDate

Applicant Voluntary Information
INFORMATION FOR GOVERNMENT MONITORING PURPOSES

The following information is requested by the Federal Government for certain types of loans related to a dwelling in order to monitor the lender's compliance with equal credit opportunity, fair housing, and home mortgage disclosure laws. You are not required to furnish this information but are encouraged to do so. The law provides that a lender may not discriminate either on the basis of this information or on whether you choose to furnish it. If you furnish the information, please provide both ethnicity and race. For race, you may check more that one destination. If you do not wish to furnish ethnicity, race or sex, under Federal regulation, this lender is required to note the information on the basis of visual observation and surname if you have made this application in person. If you do not wish to furnish the information, please check the option below. (Lender must review the above material to assure that the disclosures satisfy all requirements to which the lender is subject under applicable state law for the particular type of loan applied for).
Applicant Ethnicity
Co-Applicant Ethnicity
Applicant Race
Co-Applicant Race
Applicant Sex
Co-Applicant Sex

Background Authorization - Authorization to Release Information
Please be advised that as part of our procedure for determining your eligibility to partner with Greater Matthews Habitat for Humanity (“Habitat”), We may obtain and consider criminal records, credit reports, driving records, consumer reports, and other background checks regarding you. Since Habitat may use consumer reporting agencies to provide the company with such reports, Habitat is providing you with this notice and authorization form in order to comply with the Fair Credit Reporting Act.
Applicant's Signature:
Date

MonthDayYear
2 digit month, 2 digit day, 4 digit yearDate
Co-Applicant's Signature:
Date

MonthDayYear
2 digit month, 2 digit day, 4 digit yearDate

Please Note: The application fee is non-refundable, regardless of whether your application is accepted, denied, or disqualified. By submitting payment, you acknowledge and agree to this policy.

If your application moves forward in the program, and additional credit report fee may apply.

Payment

Application Fee

$50.00 Quantity

Total

Debit or Credit Card
Credit Card Number	Security Code
Expiration Month	Expiration Year

Should be Empty:

Cadia Townhomes Application

Applicant Information

Applicant Identification

Co-Applicant Information

Co-Applicant Identification

Additional Household Member Information

Additional Household Member's Identification

Rental History

Rental History 2

Rental History 3

Applicant Employment Information

Applicant Employment Information 2

Applicant Employment Information 3

Co-Applicant Employment Information

Co-Applicant Employment Information 2

Co-Applicant Employment Information 3

Monthly Income Sources

Financial Information

Additional Financial Documentation

Household Assets

Liabilities

Declarations

Willingness to Partner

Referral Source

Armed Forces

Acknowledgement & Agreement

Appraisal Notice Disclosure

Privacy Policy Statement & Notice

Equal Credit Opportunity Act Notice

Applicant Voluntary Information

Background Authorization - Authorization to Release Information

Payment*

Payment