Critical Home Repair Application (1/1/2026

Dear Homeowner,

Thank you for your interest in our Critical Home Repair Program.

A Critical Home Repair includes most indoor or outdoor home repairs that mitigates a health and/or safety issue.

Please review the following important information before proceeding with your application.

he Critical Home Repair Program offers qualified applicants zero percent (0%) interest loans. Dependng on fund availability, qualified applicants may also be eligible for a grant.

Payment ters will be tailored to the applicant's ability to pay, which may include deferred payments due upon the sale or transfer of the property.

For loans of $5,000 or more, a recorded lien will be placed on the property being repaired and will be released upon full repayment of loan.

Please note that applicants are considered imcomplete, and no determination can be made until all required documents and contractor estimates are received in our office.

This program aims to assist homeowners with critical repairs and accessibility issues for aging in place. Habitat is considered the lender of last resort; therefore, you may need to provide denial letters from other lending institutions.

Make sure to complete this form in its entirety. After submitting your application, you will receive an email with a list of required documents.

Applicants will be approved based on income guidelines, the scope of work, fund availability, and any additional guidelines or policies set by our funding partners. We will process applications on a first-come, first-served basis to the best of our ability.

A representative from Habitat for Humanity of Wicmico County will reach out to you within 72 hours. If you have immediate questions or help filling out this on-line application, you can call oru office at 410-546-1551 ext. 209

Thank you!

Person filling out this form

First Name *

Last Name *

Email *

Date of Birth

Applicant

Applicant is the property owner named on the deed.

Last Name The maximum length for the field Last Name is 500 characters.

First Name The maximum length for the field First Name is 500 characters.

Suffix

Address The maximum length for the field Address is 500 characters.

City The maximum length for the field City is 500 characters.

State The maximum length for the field State is 500 characters.

County

Cell Phone Number The field Cell Phone Number must be a phone number.

Email Address * The email field Email Address is required.

Sex

DOB #2 The field DOB #2 must be a date.

Veteran Status

Marital Status

Social Security Number The maximum length for the field Social Security Number is 500 characters.

Race

Ethnicity

Co-Applicant

Co-applicant is the co-owner of the home and named on the deed. If there is no other person named on the deed, leave blank.

First Name - Co-Applicant / Spouse The maximum length for the field First Name - Co-Applicant / Spouse is 500 characters.

Last Name - Co-Applicant / Spouse The maximum length for the field Last Name - Co-Applicant / Spouse is 500 characters.

Suffix

Sex

DOB #2 The field DOB #2 must be a date.

Is the address the same as applicants?

Cell Phone Number The field Cell Phone Number must be a phone number.

Email Address The field Email Address must be an email.

Race

Ethnicity

Social Security Number The maximum length for the field Social Security Number is 500 characters.

Is the co-applicant disabled?

Veteran Status

Household Information

Alimony, child support, or seperate maintenance income need not be revealed IF the applicant does not choose to have it considered for repayment.

Total Monthly Gross Household Income * The numeric field Total Monthly Gross Household Income is required.

How many adults, age 18 or over live in the home * The field How many adults, age 18 or over live in the home is required.

How many children under age 18 live in the home? * The field How many children under age 18 live in the home? is required.

Have you lived at this address for 2 years or more?

Do you plan to live at this address for the next 5 years or more?

Do you own this property?

Do you or the co-applicant own additional property?

Are there additional names on the deed? (such as sister, brother, son, daughter, etc)

Financial History

Is your Mortgage current? * The field Is your Mortgage current? is required.

Are your property taxes (state, city, county) paid to date? * The field Are your property taxes (state, city, county) paid to date? is required.

Have you had a Bankruptcy within the past 2 years * The field Have you had a Bankruptcy within the past 2 years is required.

Are you in danger of having your home foreclosed upon? * The field Are you in danger of having your home foreclosed upon? is required.

Have you ever been foreclosed on? * The field Have you ever been foreclosed on? is required.

Have you obtained credit under any other name? * The field Have you obtained credit under any other name? is required.

Are there any outstanding judgments against you? * The field Are there any outstanding judgments against you? is required.

Are you a party to a lawsuit? * The field Are you a party to a lawsuit? is required.

Are there judgements or liens attached to the property? * The field Are there judgements or liens attached to the property? is required.

Do you have a reverse mortgage? * The field Do you have a reverse mortgage? is required.

Describe Your Home

Choose the description that best matches your home. Check all that apply.

Was your home build before 1978?

Please explain the critical repairs needed in your home. The maximum length for the field Please explain the critical repairs needed in your home. is 5000 characters.

List repairs in order of importance. The maximum length for the field List repairs in order of importance. is 500 characters.

PROGRAM DESCRIPTION

Dear Homeowner,

Thank you for your interest in our Critical Home Repair Program. A Critical Home Repair includes most indoor or outdoor home repairs that mitigates a health and/or safety issue. Other programs may be available and are dependent on grant funding.

PLEASE READ THIS LETTER IN ITS ENTIRETY!

Programs are designed to help homeowners with critical home repair/s and/or accessibility issues. Habitat is the lender of last resort. As such you may be required to provide letters of denial from other lending institutions. If you are approved by a conventional lending institution for a home improvement loan but the interest rate and/or terms of the agreement are excessive, you may qualify. If eligible, we will do our best to match you with the critical home program/s that best meets your needs.

Eligibility and required documents vary by program.

If the cost of repairs exceeds lending limits every attempt to partner with other agencies will be made.

Repairs costing more than $5,000 require a lien against the property as collateral. ALL Grant programs require a lien. Length of lien is dependent on program requirements. Payment terms very per program and applicant’s ability to pay.

NOTE: You may be eligible for a grant, BUT if you qualify please note that the probability that all or a portion of the project costs will have to be paid back in monthly installments. Monthly payments are based on the total cost of the project, and applicable fees. Terms will be discussed after eligibility is established.

NOTE: It is the applicant’s responsibility to contact contractors to secure bids. Contractors MUST be licensed, insured and in good standing with the State of Maryland. An application is not considered complete until ALL required documents AND contractor bids are provided.

REQUIRED DOCUMENTS

NOTE! We make every attempt to match each client with the program that will best suit their individual situation. However, most programs including Habitat for Humanity of Wicomico program’s require a repayment and a lien against the property being repaired for loans over $5,000. Please bring the following documents with you to your appointment:

A COPY OF THIS LIST CAN BE DOWNLOADED AT THE END OF THIS APPLICATION.
Copies will be made at no charge and the original documents returned.

Permanent Resident Card (Green Card), if applicable
Social security card
Current Driver’s License for both applicants. If providing these documents, they must be in color.
Proof of homeownership – Copy of each; most recent mortgage statement, property tax statements, and copy of Deed.
Proof of homeowner’s insurance. if you don't have a copy, call your agent and have them email your proof of homeowner's insurance to blondine@wicomicohabitat.org
Copy of flood insurance document, if applicable.
Last two (2) years tax returns or W-2 forms for BOTH applicant and co-applicant and any household member over 18.
Last two (2) years Social Security 1099 statements for applicants receiving social security and/or SSI.
Last four (4) consecutive pay stubs for Applicant, Co-Applicant, and any household member over 18.
Last two (2) months of bank statements for each applicant. Must include ALL pages even if blank.
Documents showing the amounts ordered for each household member who receives: __Alimony __Child Support (if used as a source of income on your application)
Documents showing proof of monthly amounts received for the following: __AFDC/TANF __Food Stamps
Proof of any other income
Non-refundable credit report fee of $90.00 per applicant. NOTE: Check or money order only, cash will not be accepted.

A copy of this list will be sent to the email you listed after you submit your application.

Credit Report Fee and Privacy Statement

Please download the copy provided below.

I certify that the information on this application is accurate; that I own and reside in the property at the address given on this application; and that I have no intention to move or offer my home for sale for at least 5 years.

I authorize Habitat for Humanity of Wicomico County, Inc. to gather information to determine my need, ability to pay, homeowner expenses, debts (credit report) and other information about my background. I understand that if I give false information or withhold information I may be disqualified.

Please note: It is the responsibility of the applicant to secure contractor proposals/estimates. ONLY licensed and insured contractors are allowed to bid and complete any work. If you are in need of a list of contractors, please contact our office at 410-546-1551 ext. 209 or email stephen@wicomicohabitat.org to request a copy.

By submitting this form I declare and confirm that I have read the Privacy Statement and Notice and give my permission to Habitat for Humanity of Wicomico County permission to process my application.

I have read and understand the "Privacy Statement and Notice" provided. * The field I have read and understand the "Privacy Statement and Notice" provided. is required.

I understand a credit report fee must be paid by check or money order (no cash, credit or debit cards accepted) before my application will be processed. Single applicant credit report fee = $90.00 Co-applicants (2) credit report fee = $180.00 * The field I understand a credit report fee must be paid by check or money order (no cash, credit or debit cards accepted) before my application will be processed. Single applicant credit report fee = $90.00 Co-applicants (2) credit report fee = $180.00 is required.

Critical Home Repair Application (1/1/2026 - 6/30/2026)