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7. Credit worthiness of Habitat families/individuals <br />Answer: Yes, credit worthiness playa large role in the selection process. Habitat for <br />Humanity wants to see that those people selected handle money responsibly. Those <br />with good credit have been shown to have a greater chance of becoming and <br />remaining successful homeowners who will repay their loans. For those who do not <br />have good credit, Habitat for Humanity refers them to resources that can help them <br />strengthen their credit. <br />8. Does Habitat always charge for the repair? <br />Answer: Yes. Habitat for Humanity does not give repairs away. We offer a hand-up, <br />not a hand-out. Our homeowners will never pay more than 30% of their gross income <br />toward their housing expenses, which includes the house mortgage. Habitat for <br />Humanity makes repairs possible by offering a variety of loan products, including a <br />zero percent interest loans. Volunteer labor also helps to keep the costs of the repairs <br />as low as possible. <br />9. Repayment monies -going to Kittitas County or Into the Revolving Fund for Humanity <br />Answer: We request that when a partner family makes a repair loan payment to <br />Habitat for Humanity that the funding stays with Habitat for Humanity. This funding is <br />what is used to start the next Habitat repair. Every Habitat house repair provides <br />funding for the next Habitat repair. With affordable housing at a crisis level, our goal <br />is to increase capacity. We want to keep low-income homeowners who cannot afford <br />home repairs in their homes by helping them to make their homes more safe, healthy <br />and usable. To do this requires funding. The more funds we can raise the more <br />houses we can repair for those in need. All Revolving Fund for Humanity revenue goes <br />straight into the next house. This money is not used for administrative purposes but <br />toward our program costs for construction. <br />10. Revolving Fund for Humanity vs funding to complete additional repairs <br />Answer: The Revolving Fund for Humanity is part of Habitat's fund to complete <br />additional repairs. <br />11. Percentage of recipients who repay their obligation <br />Answer: Kittitas County Habitat for Humanity has repaired 9 homes in the last five <br />years. To date, all homeowners are making payments on their home repairs or have <br />paid off their loans for repair work. <br />12. Who documents the expenses against the approved budget? <br />Our program manager and bookkeeper, Jennifer Caloia, tracts all expenses in <br />QuickBooks. Each week the staff of Habitat for Humanity has a meeting where we <br />3