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Northern Ocean Habitat for Humanity provides low-to-moderate income families with a unique opportunity to build and buy their own homes. Working alongside volunteers, Habitat homeowners put in sweat equity hours as they help build their own homes. Homeowners purchase their homes and pay an affordable 0% interest mortgage. Habitat for Humanity homeowner mortgage payments are put into a revolving fund that helps pay for future houses in the northern Ocean County community.
The Homeowner Selection Committee pre-qualifies applicants in a way that does not discriminate based on 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 Program Services at (732) 818-9500 ext. 102.
"I am a believer that God places people in your path and I am grateful for God placing such loving, compassionate people in our lives. Northern Ocean Habitat volunteers really set the bar high for the meaning of Love Thy Neighbor... Owning a house that will become our HOME would be a place where my children would have a yard, their own rooms, and a place to return to. You have forever impacted me and the lives of my children."
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"I'm thankful for Habitat (my new found family) for believing in me when I didn't believe in myself. I am thankful because this year and forever...we will have a place to call home."
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"My daughters and I have found the biggest family with Habitat. Thank you for welcoming us with so much love and taking our hands in a time of need and giving us the biggest family hug we have ever received.”
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“Having our own home will impact our lives in such a positive way. It will give us a sense of relief, stability, and reassurance. We will grow closer, having our own space to create new family traditions and build memories.”
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Potential homebuyers might be dealing with poorly made, unhealthy, or inadequate housing;
unaffordable rent; homes inaccessible for their disabilities; damaged by natural disasters; or have other shelter needs.
Habitat offers homebuyers an affordable mortgage. Their mortgage payments cycle back into the
community to help build more affordable homes.
Habitat homebuyers put in 300 hours of “sweat equity” helping build their home. This might also include volunteering in the Restore; participation in events, PR campaigns, and fundraisers; classes in personal finances and home maintenance, and other homeownership topics.
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Interested in becoming a Habitat for Humanity homeowner? Below are some common questions our applicants have.
If you do not find answers to your questions below, please contact Program Services by emailing programservices@nohfh.com or calling (732) 818-9500 ext. 102.
If you are interested in the Habitat for Humanity program and have reviewed the requirements to see if you qualify, the next step is to complete an application. We only accept applications when we have properties available and do not have a rolling application cycle.
To get information about upcoming builds and properties and when we are accepting applications, please check our website and our Facebook Page and ReStore Facebook Group, or contact Program Services by filling out a contact form or calling at (732) 818-9500.
Applicants will submit a completed application and supplemental documents during the open application round. Qualified applicants will be contacted for a home visit to confirm the information provided on the application and thoroughly discuss program requirements. Once all interviews are
conducted, all qualified applicants will be placed into a pool, and homeowners will be randomly selected. It’s important to note that we usually have a more significant amount of qualified applicants than homes available. The Homeowner Selection Committee pre-qualifies applicants in a way that does not discriminate based on race, color, religion, sex, handicap, familial status, sexual orientation, age, gender identity, or national origin.
Yes. Habitat for Humanity does background checks on all household members over the age of 18.
We typically build two to three-bedroom, wood-frame houses. Newly constructed homes do not have garages, basements (unless structurally necessary), or usable attics. Habitat builds and sells affordable, decent houses.
No. Habitat does not build custom houses. Habitat will choose the size of the home based on the household size and makeup. We expect two children of the same gender to share a bedroom if they are close in age. The location of the house is dependent upon land acquisition and municipality partnerships. The location will usually be discussed during the homeownership application process.
Habitat sells houses for less than market value, and the final selling price will not be determined until the house is complete. However, Habitat will ensure housing payments are affordable. Habitat partner families’ housing payments will not exceed 30% of the household gross monthly incomes at the sale.
These are free information sessions to learn about the application process and qualifications for our new home build program. They are held at the beginning of each new family selection period. They are offered in-person at our Administration and Construction Office in Toms River or online. They are optional, but will help potential applicants learn what is involved to partner with Northern Ocean Habitat for a hand up!
These sessions are offered during open homeowner application periods.