wchrc logo

Self-Help Homes:

          OPEN HOUSE:             4/12/14 at 605 & 607 Wheatland Court from 10:00 am to 2:00 pm  Come and see your new home!

2 homes are sold!  

  605 & 607 are the only homes available & they are ready for you to begin painting.

don't miss

This could be your neighborhood!  Keep checking for new pictures

picture 3

picture #6

picture 8

picture 12

map

 Are you dreaming of owning a home?

NOW is the time to STOP dreaming!  Pick up a pen & pre-application - You're on the way to owning YOUR NEW HOME!

The Community Action Center (CAC) is committed to give you the opportunity to turn your dream of owning your own home into a reality.  You can buy a new home without saving for years to come up with the required down payment.  All you have to do is some simple tasks (paint & landscape) and no previous experience is required!

 

Available Self-Help Homes:

  • UNIONTOWN:  4 homes are being built in the Rolling Hills Subdivision

    • All homes will be Energy Star certified and WaterSense products will be used, which means lower utility bills for you!

    • Hinkle Homes, Inc., has been selected to build the homes.

    • Each home will have 3 bedrooms, 2 bath, with attached 2 car garage (2 floor plans available)

    • The address of the homes is 605, 606, 607 & 608 Wheatland Court, Uniontown.

    • Submit your pre-application TODAY!  Get qualified now so you can choose the house and lot you want.  You'll be ready to paint the inside of your home & do the landscaping of your new yard!

View floor plans, exterior elevations, & lot information

    Click here to apply!


     

    How many hours will I have to work on my new home?

    • Family:  The required minimum is 50 hours for each adult household member (2 adults = 100 hours), and

    • Volunteers:  1 hour of volunteer labor is required.  Volunteers will need to sign a Release and Hold Harmless Agreement before they can work on your home.  Don't worry we provide the agreements!

    • Reasonable accommodations will be provided for homebuyers with disabilities in order to meet the minimum work requirements.  Please make sure to let us know if you need a reasonable accommodation.

    • You can have as many volunteers as you want, but their time does not count toward the minimum hours required for the family (unless you need reasonable accommodations).

    • Timesheets are provided for family and volunteers to record their time worked and tasks performed.   

    • There is no maximum number of hours.  It may take one family over 200 hours to complete the painting while another family completes it in 100 hours.  Don't worry it's not hard to meet the minimum!

    • We know that you are working and the self-help work can be completed in the evenings and on weekends.  You set your hours.

    What work do I have to do?

    • Paint the inside of your homeYes, you get to choose the colors!

      • CAC purchases the paint; you purchase the paint brushes, rollers, trays, etc.

    • Landscape your yard.

      • We pay for the landscaping items up to $1,200 for grass seed, trees, shrubs, flowers, etc.  You purchase the lawn tools (shovels, rakes, etc) and do the labor.

    • Construction clean-up of the interior of the home and maybe the exterior.

     

    You  are  rewarded  for  your work  By:

    • Purchase price is reduced by $3,600,  AND

    • No cash needed for your down payment:

    • We provide a loan for at least $24,675 (15% of the purchase price), up to $49,350 which is 30% of the purchase price, as needed.  The loan we provide is to "bridge the gap", between the purchase price and the approved loan amount from the lender.  The CAC loan is deferred with 0% interest, which means you make no payments to us for as long as you live in the home
    • The purchase price for homes in Uniontown have just been reduced from $169,500 to $164,500!  Your payment could be less than what you're paying for rent.
    • Click below for an example of how the self-help credit for your work and the CAC loan works to make the payments affordable:

   Eligibility Requirements

Income:  The income level of the household must be at or below the following levels (80% or below the area median income).  Limits effective as of February 7, 2013.

 Income includes the gross income of all members of the household.

All support, benefit payments, and interest income must be included.

Family Size (Permanent household members at the time of the application.

1 2 3 4 5 6
$3,021 month $3,450 $3,883 $4,313 $4,658 $5,004
$36,250 year $41,400 $46,600 $51,750 $55,900 $60,050

 

Credit:   The applicant's credit report must demonstrate a willingness to repay debts.  Most banks require a credit score of at least 640.  The best thing to do is submit your pre-application (It doesn't cost you anything).  Once we receive your pre-application , then we can get your credit report and see what your score is.  If it's below 640, we can work with you to get it improved.

Income to Debt Ratios:  The lender sets the guidelines but In most cases, the ratio may not exceed 33% for housing debt payments (principal, interest, taxes, & insurance) and 41% for total debt.

Total Indebtedness secured by the home may not exceed 100% of the appraised value of the home (your total mortgage loans cannot be more than the appraised value).

Primary Residence:  The home must be your primary residence and you must abide by all the terms and conditions of the loan.

The best thing to do is submit your pre-application and we can see what your credit score is and debt to income ratios.  We can work with you to help increase your credit score and lower your debt to income ratios.


Family Expectations and Contributions:  Each family will be expected to:

  • Sign and abide by the Self-Help Participation Agreement, which defines the roles, actions, and responsibilities of the Community Action Center, the building supervisor, and families.  Click here to read the Agreement

  • Provide the required minimum of hours, as described in the section "How many hours will I have to work on the home?" or in the Agreement, Section IV  Labor Commitment.

  • Provide basic tools for painting and landscaping.

  • If required by the lender, obtain a First Time Homebuyers certificate for each adult household member.


self-help painting

The work for your down payment approach

The approach called "sweat equity" or "self-help" brings affordable, new homes to families with moderate and lower income. We search for an appropriate building site and purchase enough land to build the homes. Community Action Center arranges for experienced contractors to complete work that needs technical training or licenses, and teaches the homebuyers how to complete the sweat equity tasks needed to finish the homes. The contributions made by the families reduces the purchase price by $3,600.

  • The self-help work for the Uniontown Homes, include painting the inside, landscaping your yard, and construction clean-up of the interior and maybe exterior.

  • An experienced construction supervisor will provide training and guidance to each homeowner as needed.

  • No previous construction experience is required.

  • You can work in the evenings, weekends, or whenever you have time.  The faster you complete your assigned tasks, the faster you get to move into YOUR NEW HOME!

  • Click for the Self-Help Program Description


We will help you every step of the way!  The Community Action Center will:

  • Assist you with your pre-application and application to the lender.  We have partnered with Hinkle Homes, Inc to build the 4 Uniontown homes and will be using Republic Mortgage that Hinkle Homes has used for several years.  If you would like to use another lender, please let us know on your pre-application!

  • Locate and obtain suitable building sites for the self-help homes.

  • Provide house plans which have been approved by the lender, city, and meet the immediate needs of the applicant(s).

  • Direct and supervise construction on all homes.

  • Teach skills to homeowners as necessary to enable them to complete their self-help portion of the home according to the plans and specifications and within the allowed budgets.

  • Make contracts for services and purchase materials in accordance with plans and specifications.


For more information

Call: Sandy 509-334-9147

Email:  sandym@cacwhitman.com or        dalem@cacwhitman.com

Toll Free in Washington: 1-800-482-3991

Fax: 509-334-9105

TTY:  1-800-833-6388                                                      


 

You will need the latest version of Adobe Reader in order to read or print the application.

Click Here to Apply

Return your completed Pre-Application to:

Self-Help Program

Community Action Center

350 SE Fairmont Road #1

Pullman, WA 99163

You can also call CAC for a pre-application or stop by the office.  Don't delay - get your pre-app turned in today!!!