Hurricane Repair

Chipola Area Habitat for Humanity understands the importance of helping our neighbors, an act made even more urgent when our area was affected by Hurricane Michael, the Category 5 hurricane which made its way through the Florida Panhandle in 2018. Michael decimated the local housing stock, destroying some homes and leaving many uninhabitable. In response, we have worked diligently to increase our capacity, providing home repairs for those who suffered damage while also incorporating a stronger rehabilitation program and our most ambitious build schedule yet, with a plan to complete 10 new homes in 2020.

Home Damaged by Hurricane Michael

Hurricane Relief Services vary based on needs, but may include:

  • Floor repair
  • Heating/cooling systems repair Roof repair
  • Interior and exterior repairs

Donate online

Donate today and help us help those in need. Donations are used in the rehabilitation of current housing stock and in the construction of new homes, both desperately needed in this hurricane ravaged community

Property Requirements:

  • Must be owner occupied for one year (name on title or deed) and in Jackson or Washington County
  • Building tax value of home must be $100,000 or less
  • Must be current on property taxes
  • Must be current on mortgage and/or not in jeopardy of foreclosure (if applicable)
  • Must not be in jeopardy of foreclosure
  • Must not be a mobile or manufactured home

Homeowner Requirements:

  • Income must be below 70% of the HUD Median (income as noted in panel below)
  • Credit will be checked for all applicants

Ability to Pay

  • Delinquent Debt: No more than $5,000 in total balances at the time of application.
  • Medical Collections less than three years old: No more than $2,500.
  • Bankruptcy: Must wait a minimum of three years after being discharged.
  • Debt-to-Income ratio: Current housing expenses cannot exceed 30% of monthly gross income. Total debt cannot exceed 50% of monthly gross income.
Hud Guidelines

In accordance with the Fair Housing Act, Chipola Area Habitat for Humanity does not discriminate against any person in the sale, rental, advertising or financing of housing on the basis of race, sex, color, age, handicap, religion, family status, national origin, source of income, or exercise of rights under the Consumer Credit Protection Act. Additionally, in accepting and rejecting applications, Chipola Area Habitat for Humanity must conform to all aspects of the Fair Housing Act and all Fair Housing Laws, the Equal Credit Opportunity Act, the Fair Credit Reporting Act, the Privacy Act, the Americans with Disabilities Act, as well as any local applicable laws as they apply to applications for a mortgage.