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team.html
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<!DOCTYPE html><!-- This site was created in Webflow. http://www.webflow.com -->
<!-- Last Published: Fri Nov 12 2021 17:00:23 GMT+0000 (Coordinated Universal Time) -->
<html data-wf-domain="agape-homes-cdc.webflow.io" data-wf-page="618c3fcb23a78e5a373e010c"
data-wf-site="618c3fcb23a78e85293e00fb" data-wf-status="1">
<head>
<meta charset="utf-8" />
<title>Team</title>
<meta content="Team" property="og:title" />
<meta content="Team" property="twitter:title" />
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role="banner" class="navigation w-nav">
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<nav role="navigation" class="navigation-items w-nav-menu"><a href="/"
class="navigation-item w-nav-link">Home</a><a href="/about" class="navigation-item w-nav-link">About</a><a
href="/projects" class="navigation-item w-nav-link">Floor plans</a><a href="/team" aria-current="page"
class="navigation-item w-nav-link w--current">requirements</a><a href="/contact"
class="navigation-item w-nav-link">Contact</a></nav>
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class="button cc-contact-us w-inline-block">
<div>Contact US</div>
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<div class="intro-header cc-subpage">
<div class="intro-content">
<div class="heading-jumbo"> Requirements<br /></div>
</div>
</div>
</div>
<div class="section">
<div class="container">
<div class="section-heading-wrap">
<h1 class="paragraph-small"><strong class="bold-text">Agape Homes CDC Affordable Housing CDC (AHCDC) Program
Requirements</strong></h1>
<ul role="list" class="list">
<li class="list-item"><span class="list-item">The maximum income is 80% of the Area Median Income (AMI) for
the year starting in the program. Proof will be provided by the buyer through requested
documentation.</span></li>
<li class="list-item"><span class="list-item phone">Applicants must have filed taxes and show proof that they
are current on tax returns and do not owe any federal taxes. AHCDC may make exceptions if the program
applicant is currently in a payment program for back taxes.</span></li>
<li class="text-span"><span class="list-item">Applicants must select which Agape Homes CDC home they will be
purchasing. This program is not for any other builders or purchases.</span></li>
<li class="text-span"><span class="list-item">Applicants must show proof that they can afford the monthly
expenses. You will be required to show requested documentation. You must have enough cash flow to cover
all the new housing expenses including lease/future mortgage, utilities and savings necessary for future
purchase or repairs once the property is owned. Monthly savings amount required is TBD.</span></li>
<li class="list-item">Applicants must have or save $2,400 for payment towards escrow and closing costs.
Matching programs are allowed and will be considered acceptable. Gifts and funds outside of regular income
will not be allowed except for down payment assistance programs. The practice of saving is essential to
homeownership maintenance and upkeep.</li>
<li class="text-span"><span class="list-item">Applicants must complete the Agape New Home Buyer Training
Program. This will consist of: </span></li>
<li class="list-item-2"><span class="text-span">Orientation </span></li>
<li class="list-item-2"><span class="text-span">Community Building / Welcome to the Neighborhood </span></li>
<li class="list-item-2"><span class="text-span">Personal Financial Strategies / Budgeting </span></li>
<li class="list-item-2"><span class="text-span">HUD’s First Time Homebuyer Class </span></li>
<li class="list-item-2"><span class="text-span">Wills and Estate Planning <br /></span></li>
<li class="list-item-2"><span class="text-span">Preventive Maintenance<br /><br />There may be additional
classes or classes that are combined depending on ongoing need and review. Some classes will be taught by
outside organizations. See AHCDC for a list of recognized training classes and organizations. </span></li>
<li class="list-item"><span class="text-span">Each household must complete 80 volunteer hours. You may
volunteer for Agape Development Ministries, Agape Homes CDC or a locally approved non-profit or ministry.
Agape Homes will maintain a list of locally qualified groups.</span></li>
<li class="list-item"><span class="text-span">Conventional financing must be obtained for purchase. We will
have a list of banks that have loan programs for our area to help with this process.</span></li>
<li class="list-item"><span class="text-span">Most banks require a minimum credit score of 620 to qualify for
conventional financing. If you have not reached that score yet you will not be disqualified from the
program and we have partners and other resources that may be able to assist you in getting your credit
score up and getting you ready for home ownership.</span></li>
<li class="list-item"><span class="text-span">The buyer must have a will or a legal document designating who
the home will be transferred to in case something happens to the buyer.</span></li>
<li class="list-item"><span class="text-span">Buyer will be required to sign an agreement for a second lien /
deed of trust. This is to prevent home flipping and maintain affordability. The purpose of this agreement
is to incentivize the purchaser to stay in the home long term and not use the program to make a quick
profit by selling early.<br /><br />Note: <br />1. These are the main requirements, but additional
conditions may be required.<br />2. You do not have to meet all of these qualifications to apply. You can
work on qualifying while in the program.</span></li>
</ul>
</div>
</div>
</div>
<div class="section cc-cta">
<div class="container">
<div class="cta-wrap">
<div class="div-block">
<div class="cta-text">
<div class="heading-jumbo-small">Interested? Contact us today!<br /></div>
<div class="paragraph-bigger cc-bigger-light">Today is the day to build the home of your dreams. We can help
you own a home in a growing and vibrant community.<br /></div>
</div><a href="/contact" class="button cc-jumbo-button w-inline-block">
<div>Start Now</div>
</a>
</div>
</div>
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