Currently Viewing:

About Homeownership

Northern Ocean Habitat for Humanity provides a unique opportunity for hardworking people and families to build and buy their own homes. Working alongside volunteers, Habitat homeowners put in hundreds of sweat-equity hours as they help build their own homes. Homeowners then purchase their home and pay an affordable, interest-free mortgage. Habitat for Humanity homeowner mortgage payments are put into a revolving fund that helps pay for construction of future houses in the northern Ocean County community.

 

 

 

The pre-approval selection of homeowners who will purchase houses from Northern Ocean Habitat for Humanity is done by the Family Selection 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 Program Services at (732) 818-9500.

Gloria

"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."

Read Full Story

Habitat Ownership Qualifications

Need for adequate housing

Potential homebuyers might be dealing with poorly made, unhealthy or inadequate housing; unaffordable rent; homes inaccessible for their disabilities or damaged by natural disasters; or have other shelter needs.

 

Ability to pay for the home

Habitat offers homebuyers an affordable mortgage. Their mortgage payments cycle back into the community to help build more affordable homes.

 

Willingness to partner

Habitat homebuyers put in 300 hours of “sweat equity” helping build their home. This might also include volunteering in the Restore, classes in personal finances and home maintenance and other homeownership topics.

Application Information

  • Attend an optional Program Information Meeting. These meetings are held at the beginning of each new family selection period. Applications will be available at the conclusion of these meetings, online, or at the Habitat ReStore located at 1214 Route 37 East, Toms River, NJ 08753.
  • Submit the application with all required documents by the due date which will be announced at the Program Information Meeting.
  • Habitat calculates your income, pulls a credit report and reviews your finances.
  • After an applicant qualifies financially, a home visit is conducted. Two members of the Family Selection Committee will arrange a time to visit and interview at the applicant’s current residence. All members of the household must be present at this meeting. The need for our housing program and the applicant’s willingness to participate are discussed at this meeting.
  • All fully qualified applicants are then entered into a lottery for the available house(s).
  • An in-take meeting is then held at the Habitat office where all paperwork is reviewed and signed.
  • If you are picked at the lottery, a criminal background check will be run on all household members, aged 18 and above. A previous conviction may disqualify an applicant from homeownership. In determining eligibility, Morris Habitat for Humanity will consider several factors. Documents outlining the policy will be provided upon request.

Income Guidelines Chart

Minimum (30%)

29495

Maximum (50%)

49159

3 Persons

Minimum (30%)

32772

Maximum (50%)

54621

4 Persons

Minimum (30%)

35394

Maximum (50%)

58990

5 Persons

Minimum (30%)

38016

Maximum (50%)

63360

6 Persons

Frequently asked questions

 

find out everything you need to know about
becoming a Habitat Homeowner

 

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 filling out a contact form or calling (732) 818-9500.

What is the first step toward purchasing a Habitat House?

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 submit a pre-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 NOHFH and ReStore Facebook page, or contact Program Services by filling out a contact form or calling at (732) 818-9500.

How are the applicants selected?

Applicants will submit a completed pre-application and paperwork during the open application round. If within income and eligibility guidelines, applicants will be contacted for an interview in which we will confirm 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 selected at random. It’s important to note that we usually have a larger amount of qualified applicants than homes available. The pre-approval selection of homeowners who will purchase houses from Northern Ocean Habitat for Humanity is done by the Family Selection 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.

Will background checks be conducted?

Yes. Habitat for Humanity does background checks on all household members over the age of 18.

What kinds of houses does Habitat build?

We typically build two to three bedroom, wood frame houses. Newly constructed homes do not have garages, basements (unless necessary) or usable attics. Habitat builds and sells simple, decent houses.

Do applicants get to choose the location or design of the home?

No. Habitat does not build custom houses. Habitat will choose the size of the house 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.

How much will the Habitat house cost?

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 time of sale.

Apply

Interested in becoming a homeowner? Here you can learn the criteria for qualification and how to apply to become a Habitat partner.