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A Brush With Kindness

What is A Brush With Kindness (ABWK)?

“A Brush With Kindness” is a BCHFH program that helps preserve local homeownership by partnering with homeowners struggling to restore and maintain a safe and decent place to live. When basic expenses exceed income month after month, home maintenance is the usual casualty. Years of deferred maintenance can cause a downward spiral of a home leading to deterioration and unsafe living conditions.

  • Are you living in challenging circumstances which have created issues that are beyond what you can handle on your own?

  • Are you struggling to keep your home in livable condition?

  • Have you had to choose between paying for food, medication, taxes, and basic utilities?

  • Are you facing city code violations or homeowner insurance cancellation due to the condition of your home?

If you feel that one of these questions describes your current living situation, contact us for more information about the Branch County Habitat for Humanity “A Brush With Kindness” Program. We may be able to help!

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Home Ownership Program

Home ownership can be life changing – offering a safe and stable place to build equity every month instead of writing a rent check. Habitat for Humanity of Branch County partners with potential homeowners to build a new life for themselves through decent, affordable homeownership.

Newly renovated, energy-efficient Habitat homes are sold to those who qualify and are approved for our program. Prospective home buyers who partner with Habitat are community-minded residents who are looking for the stability of homeownership.

We renovate empty houses with community partners and sponsors and then turn them into homes by offering an affordable mortgage to our prospective home buyers. Ultimately, we build much more than houses – the impact of homeownership is profound and lasting. It’s a program that works!

Interested in becoming a Habitat homeowner? Check out the following resources below and complete an Intake Form to start the application process:

Qualifications

Applicants are chosen on their need for housing, willingness to partner and ability to pay a Habitat mortgage as well as meeting residency and income guidelines:

1. Demonstrate a need for decent, affordable housing

  • You do not qualify for a mortgage through conventional financing

  • Your current housing is overcrowded

  • Your neighborhood is unsafe

  • Your current home has unsafe living conditions

2. Willingness to partner with Habitat

  • Each adult over the age of 21 must contribute a minimum of 250 Sweat Equity hours

  • Every applicant will attend classes in the evening or weekends

3. Ability to pay the monthly mortgage

  • See the income guidelines and credit standards below

4. Residency

  • U.S. Citizenship, permanent residency status, or eligible immigration status

  • Must live or work in Branch County

5. Not currently own a home, have a mortgage, or have your name on a mortgage

6. Two years must have passed since any bankruptcy was discharged

Qualifying income minimums and maximums are determined by family size and are 30-80% of Branch County’s area median income. These guidelines are adjusted each year and are based on numbers defined by the U.S. Department of Housing and Urban Development (HUD). Sources of income include: employment, social security, disability, spouse support, pension, unemployment and self employment/business income.