Becoming a Habitat for Humanity Homeowner
Habitat for Humanity NCM offers a hand up, not a hand out to hard-working, low-income families seeking affordable homeownership.
Simple, decent, affordable homes are built or rehabbed in partnership with families, donors and volunteers who share our vision of a world where everyone has a decent place to live.
Individuals and families must meet the following criteria to be eligible to purchase a Habitat home:
Applying families must live in housing which does not meet their needs - is not adequate for their family size, is too expensive or is unsafe or substandard. What Does Habitat Consider Substandard Housing? (.pdf)
Ability To Pay
Applying families must have a regular source of income enabling them to pay the 0% interest mortgage as well as various taxes, fees and maintenance costs associated with owning a home.
Their income must fall between 30%-60% of the median household income level for the Fitchburg/Leominster area as defined by the U.S. Dept. of Housing and Urban Development. See 2012 Income Guidelines (.pdf)
Willingness to Partner
Families are required to contribute hundreds of hours of "sweat equity" to the construction of their home in addition to supporting Habitat for Humanity in other ways (200 hours for a one adult family, 350 hours for a two adult family). What does willlingness to partner mean?
Think Habitat homeownership might be right for a relative, friend or colleague?
Download our HFHNCM Family Services Brochure and pass it along!
Questions about Habitat homeownership?
Contact Carolyn Read, Executive Director
HFHNCM Is An Equal Opportunity Lender
Habitat for Humanity families are qualified without regard to age, sex, sexual preference, marital status, disability, race, religion or national origin.