Becoming a Habitat for Humanity Homeowner Becoming a Habitat for Humanity Homeowner Becoming a Habitat for Humanity Homeowner Becoming a Habitat for Humanity Homeowner Becoming a Habitat for Humanity Homeowner

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:

Need

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?

Additional Requirements

  • must be either citizens or documented permanent residents of the U.S.,
  • Must be able to show responsibility in paying their bills and managing their debt.
  • Must attend required homeowner education classes.

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 Maggie Monroe-Cassel, Executive Director
978-348-2749, ext. 206 or email apply@ncmhabitat.org.


HFHNCM Is An Equal Opportunity Lender Equal Housing Opportunity Logo

Habitat for Humanity families are qualified without regard to age, sex, sexual preference, marital status, disability, race, religion or national origin.