HOMEOWNER HOW TO....
Brown County Habitat is actively looking for "partner
families" who can show the need, can afford a mortgage,
and provide the "sweat equity" required to qualify as a
candidate for a future house.  You must have an income,
you must be able to work and you must believe in the
principles of Habitat for Humanity.  If you or someone you
know may qualify, contact us.
PO Box 260
Nashville, IN 47448-4926
Phone: 812-988-4926



Habitat for Humanity is a nonprofit, ecumenical Christian housing
organization that partners with families of all faiths to build simple, decent,
and affordable houses.  Habitat sells the homes with a 0% interest loan and
at no profit, which keeps the cost of the home low.
In order to qualify for a Habitat home, applicants must meet three criteria
through an application and interview process.  The three criteria are:
  • Need for Housing
  • Ability to Pay
  • Willingness to Participate as a Partner with Habitat




You will be considered for a Habitat home if your present housing is not
adequate, and if you are unable to obtain a home mortgage through
conventional means.  Lack of adequate housing may include overcrowding,
or problems with the current structure: water, electrical, septic, etc.  The
percentage of your monthly income that you currently spend on housing is
considered to determine need.  You will be required to openly and fully
discuss your financial situation with a Habitat interviewer. You must currently
live in Brown County and your and your family will be considered if your total
family income falls within the approved range.  For example:  In 2009, the
range for a family of four is $22,000-$39,000.



Since you will actually be buying your house from Habitat, you must
demonstrate your ability to pay the monthly mortgage payment.  The
monthly payment will include not only the mortgage payment, but the
payment for real estate taxes and insurance as well.  Therefore, a family will
need to meet minimum requirements.  (See the example: family of four
above.)Habitat does not want to jeopardize your ability to meet all your other
family financial obligations, and once your qualify, we will work with your to
establish an affordable payment plan and a workable family budget.




Once selected, you will become a "partner family" in Habitat.  As such, you
will be expected to make a commitment to help advance the Habitat mission.  
Habitat is a Christian organization, open to all faiths.  We believe we are
called to show Christ's love through our actions, building homes as well as
lives.

A partner family makes a commitment to provide at least 250 hours of
"sweat equity" in helping to build their own house as well as assisting with
other Habitat projects.

A partner family will be responsible for maintenance and repairs of the
Habitat House from the time they move in.

A partner family will need to complete at least 8 hours of homeowner training
classes (provided by Habitat) which includes financial counseling and
household maintenance education.
APPLY FOR A HOME
NEED FOR HOUSING
WILLINGNESS TO PARTICIPATE AS A PARTNER
ABILITY TO PAY
HABITAT NEWSLETTERS
Attention!
E-mail address for Brown County
Habitat:
contact@bc-habitat.com
Go Green! Help us save postage and
receive Habitat Newsletters and
information.
2014 Partner Family
Crystal and Abe McGrayel with their
children Elias and Rosalyn
Much care is taken by the Family and Nurturing Committee of
Brown County Habitat for Humanity in deciding upon a
partner family for their annual build. This year the 18th
house will become home to a family whose initials spell CARE.

Crystal, Abe, Rosalyn and Elias McGrayel are visibly
excited to break ground at Treetop Lane and North 135.
Plans are being finalized regarding a contractor, and
then Abe and Crystal will roll up their sleeves and help
by contributing 500 hours of sweat equity.

The McGrayels are no strangers to construction and
hard work. Actually, they met ten years ago on a job site
on Old 46. Crystal was working for a computer business
and her boss was building a house next door. Abe was
working on the job, and Crystal would go over to help
out occasionally.  Following that job, she and Abe
worked together on other jobs with Abe's dad, local
builder Jim McGrayel, who taught Abe the carpentry
trade at the age of ten.  Abe's mom, Christine Ritzmann,
is with the Brown County Planning and Zoning office.
Abe is a 2000 graduate of Brown County High School.
He is employed by J.R. Richardson Seamless Gutters
in Unionville. Crystal grew up in the county as well. Her
parents, Doug and Sandy Barnett, live in Brown County
while working in Martinsville and Indianapolis, thus
resulting in Crystal's schooling at a Christian high
school in Martinsville.  In addition to caring for Rosalyn,
six, and Elias, three, she keeps busy with her own
Facebook business, Cloth Creations and More, where
she sells cloth diapers, blankets, purses, bags and stuff
for kids. She fixes computers, and also cleans for a
local church for Elias to attend preschool at The Village
Green. Rosalyn is in kindergarten at Sprunica
Elementary School. Crystal's grandfather was in
construction in Indianapolis, working on several projects
including bridge-building.

The entire McGrayel family is looking forward to having
their own house. It will be fun to see if it is completed in
time for their new baby girl, due August 9, to be carried
over the threshold at the dedication ceremony!  We
welcome the five of them to the Habitat family, where
volunteers work with partner families to build houses,
lives and communities.

-submitted by Jinny Thompson

An official introduction of the family took place at the
Brown County Community Band concert Saturday, May
3rd. The concert was held at the BC High School
auditorium. The McGrayel's will also participate in our
annual SummerFest on June 21st. They will be a part of
the Hike on September 20th.

Brown County Habitat for Humanity welcomes the
McGrayel Family as our next Partner Family and wish
them all the best as our construction begins this
summer.
For additional information or to volunteer for
this year's 2014 build e-mail:

bchabitatvolunteer@gmail.com
or call
Linda Ault-Potter, Volunteer Coordinator,
812-988-6364 or
Verne Sindlinger  812-340-0512
***SEND YOUR TAX DEDUCTIBLE CONTRIBUTIONS TO***
HABITAT NEWSLETTERS
Brown County Habitat for Humanity
PO Box 260
Nashville, IN 47448-4926