How to Apply

The application process for self-help housing is similar to what you’d experience if you applied for a conventional mortgage through a bank or credit union.   The FHP Loan Team will guide you step-by-step through the process.  First, request a complete package to be mailed to your home. 

After you receive the package, read it thoroughly to determine if you feel you qualify.  More importantly, determine if you feel the self-help housing program is right for you.  If you are concerned about credit, income or other issues, but still have a desire to participate in the self-help housing program, we encourage you to apply anyway. FHP is a not-for-profit organization, and we are committed to helping you turn your dreams into reality.

In your package you will find an application and a checklist of items needed for your initial interview.  Once you have these items gathered together, simply call the number in your packet to schedule your initial interview.  You will receive a time and location for this interview.

At this interview, the Loan Specialist will pull and review your credit report with you.   She’ll also review your income and other items needed to qualify for self-help housing.

One of three actions will occur at this interview, either:

• You will be determined eligible to move forward, and will be instructed what to do next; or
• You will be instructed how to work with our Loan Team to correct any issues. You will be given an action plan and a copy of your credit report and advised how to move forward.  As long as you have a sincere desire to participate in the self-help housing program, and are willing to do “whatever it takes,” the Loan Team will continue to work with you until we can get you approved.  For some folks, this has taken several years.If you are committed in your desire to participate in the self-help housing program, we are committed to help you accomplish your goal.
• Or you may be determined ineligible. Most people do NOT fall into this category.

The list below indicates the items you will need for your first interview.  It is important to bring each item that is relevant to your situation. However, if you are missing one or two items, you may still call to schedule your appointment.

1. A completed copy of the "Application for Housing Assistance" - click here to download a copy.
   
   
2. A money order or cashier's check made payable to Florida Home Partnership, Inc. This fee covers our cost of pulling your credit report. The fee is $16.00 for a single person and $19.00 for a married couple. If two individuals are living together and are not married, the fee is $16.00 per person. Make check payable to Florida Home Partnership, Inc., P.O. Box 760, Ruskin, FL 33575.
   
   
3. Income tax returns for the last two years with W-2 forms. If applying with someone other than a spouse or your spouse files separately, please bring their tax return as well.
   
   
4. Two current paycheck stubs for each individual applying. (Paystubs for everyone over 18 years of age who will be living in the home.)
   
   
5. Driver's license or picture I.D. and social security card.
   
   
6. Name and address of employer(s) for the past two years.
   
   
7. Name and address of landlord(s) for the past two years.
   
   
8. If you receive Social Security, SSI, retirement, unemployment, or other benefits, bring a copy of the applicable award letters.
   
   
9. If you are receiving alimony or child support, provide a copy of your divorce decree and the court order showing the award.
   
   
10. If you are not a U.S. citizen, please submit a copy of your Permanent Alien Registration Card. (You must be either a U.S. citizen or a legal resident to apply.)

Good Luck!!!