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Northern Ocean Habitat for Humanity’s home repair program helps low to moderate income homeowners repair and maintain their homes. We partner with homeowners to address critical health and safety issues, make aging-in-place modifications, and improve weatherization.
Download a copy of our Home Repair Preliminary Application- available in English and Spanish.
Preliminary Application (English)
Solicitud Preliminar (Espanol)
If you meet our income requirements, fill out the form, and send any of these three ways:
Still have questions? Call or email our Program Manager at
(732) 818-9500 x 102
aschratz@northernoceanhabitat.org
Northern Ocean Habitat for Humanity prides itself on being an organization that values volunteer labor and service as a vessel to assist more homeowners in need of decent, affordable housing. As part of our organization’s commitment to providing a “hand up,” not a “hand out,” we encourage homeowners to “pay it forward” through simple acts of kindness such as writing a thank you note that can be shared with donors and volunteers.
Partner homeowners have the option of donating to enable Northern Ocean Habitat to continue to assist more moderate-to-low income neighbors with housing repairs. However, Northern Ocean Habitat for Humanity does not require a donation. Please note the following:
LocationsYou must reside in northern Ocean County in one of the following towns:
This is an umbrella of programs that provides moderate-to-low-income homeowners critical home repairs and ADA modifications (listed below). It is on a rolling basis all year long, and the projects are a collaborative effort between staff, subcontractors, volunteers, and community partners.
These programs provide home repairs that address health and/or safety issues to keep our residents in the comfort of their own homes. Our construction efforts encompass necessary home repairs for aging and/or disabled needs, including but not limited to the following:
Northern Ocean Habitat for Humanity’s home repair programs help low to medium income homeowners restore and maintain their homes. We partner with homeowners to address critical health and safety issues and make needed home repairs. The selection of homeowner repair applications is determined by the Homeowner Services Committee in a way that does not discriminate because of race, color, religion, sex, handicap, familial status, sexual orientation, age, gender identity or national origin. If you are an applicant with a disability and need to request accommodations to access any of our services, please contact the construction office at 732-818-9500 ext 102 or email aschratz@northernoceanhabitat.org
This program is open to all military veterans and families, provided the veteran applicant has received an honorable or general discharge and is not restricted to any specific veteran groups (wartime or peacetime). The program provides critical home repairs and ADA modifications for eligible veterans, families, and widows. The veteran and families will be linked to partner veteran services organizations for any other daily living needs.
With this program, Northern Ocean Habitat uses the Housing Plus model and comprehensive aging-in-place strategies when working with older adult homeowners. Housing Plus includes two different assessments to understand each homeowner’s needs. The first assessment is completed by a health or human services professional who visits the house and asks the homeowner about their daily living activities, such as paying their bills, cleaning their homes, running errands, etc. Referrals to other services needed to be based on this assessment can be made with community partners. The second assessment includes a home repair evaluation by a construction specialist. The home repair assessment provides modifications specific to each homeowner’s lifestyle. Combining repairs and modifications and understanding the community resources allows homeowners to remain safely and securely in their homes as they age. By working with local community organizations, we can connect older adults with social services to address age-related issues, including health, isolation, hunger, and lack of transportation.
A Brush with Kindness focuses on exterior repair services. Volunteers work alongside homeowners to revitalize a home’s exterior, such as landscaping, painting, fence repair, and brush removal. Through this holistic approach, Northern Ocean Habitat has created rewarding partnerships with the ARC, 21 Plus, and Easter Seals to revitalize their group homes in various communities. This brings Habitat’s amazing volunteers together and the group home residents to work in unison to restore these homes into vibrant, safe, and inviting places to live while removing any stigma.
The home weatherization program helps moderate-to-low income homeowners who struggle to pay their energy costs by making energy-efficient home improvements and repairs.
Our Critical Home Repair program is one of the few outlets Ocean County homeowners have when home maintenance becomes a financial and physical hardship. We are proud to be an organization that focuses on health and safety, performing needed repairs that allow our community members to remain in and afford a home that means the world to them. In fiscal year ’25, with the help of our partners and volunteers, we provided 63 households with a hand-up. Below are a few stories from our homeowners that we’d like to share with you.
Our goal this fiscal year is to serve 72 households. Join us and be part of the effort in creating a stronger, safer community. Donations big or small can mean the difference of a safe home for a family or individual. Click HERE to donate.
If you have any questions or would like to learn about more ways to get involved, contact Lisa at Lpeck@northernoceanhabitat.org or 732-818-9500 x 100.
George and Mary have proudly called their home in Whiting their own since 2009. As maintaining their home became more challenging with age, our Critical Home Repair Program helped them remain safe and comfortable with accessibility and energy-efficient upgrades. They were deeply grateful for the support, knowing these improvements will allow them to continue enjoying their home for years to come. 
Barbara, a retired chaplain and longtime homeowner since 2005, is deeply connected to her community and supported by friends and fellow church members. When aging windows led to drafts and higher energy bills, our Critical Home Repair Program replaced four windows—making her home more comfortable, secure, and energy-efficient, and bringing her peace of mind through the winter months.
Robert and Laura have called Pine Ridge at Crestwood home for nearly 20 years and remain active, well-known members of their community. Through our Critical Home Repair Program, their home received key safety and accessibility upgrades, helping them stay comfortable and secure while continuing to enjoy—and give back to—the neighborhood they love.
Amboy Bank Foundation
Brick Township Community Development Block Grant
Dave and Nan Daly
Federal Home Loan Bank
Friends Foundation for the Aging
Kearny Bank
Lowe’s
Manasquan Bank
Ocean County Senior Services
Ocean County Community Development Block Grant
OceanFirst Bank
Project Home Repair
Toms River Community Development Block Grant
Before applying for our Home Repair Program, please take a look at some common questions asked regarding our repair work. If you do not find answers to your questions below, please contact the Program Manager by emailing aschratz@northernoceanhabitat.org or calling (732) 818-9500 ext. 102.
We categorize our repair projects into 4 categories: Housing Plus Aging in Place, Critical Home Repairs, Neighborhood Revitalization, and Home Preservation/Weatherization.
Call us at (732) 818-9500 or review and download the Preliminary Application. After getting a little bit of information about your repair needs, we can send a full application to complete. You can pick up a repair application at our Construction Office at 1620 Route 37 East, Toms River, NJ 08753. You can mail it to our offices with attention to Homeowner Services. If you need assistance completing the application, please call the construction office at (732) 818-9500.
We are always accepting home repair applications. Qualify and apply today!
Projects are approved based on need and available funding.
No – our affiliate only operates in northern Ocean County (as south as Bayville and north to Point Pleasant). Visit habitat.org to find the Habitat affiliate nearest you.
Toms River Township has established a Housing Rehabilitation program to provide home improvement funds to families who own and occupy their one family home. Northern Ocean Habitat for Humanity has partnered with Toms River Township to administer the Toms River Rehabilitation Program. The program is designed to provide financial assistance to bring substandard housing up to a decent, safe condition as well as conditions related to the weather tightness of the structure. To qualify for participation in the program, one of the major systems listed below must be in need of replacement or substantial repair. Primary code violations will also be addressed after a determination by the Program Administrator.
This program requires homeowners to agree to a 10-year affordability control through a forgivable loan. All applicants and their households must meet income eligibility. Income eligibility is based on household size and includes all income of all members of the household.
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This assistance in the form of a deferred payment loan based on work required for single-family owner occupied homes. The loan is provided in accordance with provisions of Township policy and federal and state regulations. These funds are provided through Community Block Grant funding from the Department of Housing and Urban Development. The loan program provides that if you continue to reside in your home for ten (10) years after assistance is provided, there will be no payments required during the term of the loan and at the end of the ten (10) year term, the loan will be forgiven and no payment will be required.
Contact aschratz@northernoceanhabitat.org or 732-818-9500 x 102 with questions.