Qualifications for Habitat Homeownership

Thank you for your interest in obtaining a Habitat for Humanity home. Since 1999, we have helped over 250 households achieve strength, stability and self-reliance through shelter. If you or someone you know finds themselves facing barriers to opportunity due to inadequate living conditions, we may be able to help.

At Northern Ocean Habitat, we believe that everyone deserves a safe, affordable place to call home. Unfortunately, statistics tell us that one in four households in the U.S. pays more than 30 percent of their income for housing and may have difficulty affording necessities such as food or clothing.1

If you support our mission and now find yourself asking how you too can become a Habitat homeowner, please review the qualifications below. From both our perspective and yours, this process is a significant investment in people who can shape what is possible. Habitat homeownership is a foundation for a brighter future.

As active participants in the building process, eligible Habitat homebuyers are:

1. In need of better housing.

Potential homebuyers might be dealing with poorly built, unhealthy, damaged or inadequate housing. Alternatively, you might have a rent or mortgage that you cannot afford, or may be living in a home that is inaccessible for your disabilities.

2. Willing to partner with Habitat.

Our homebuyers are required to put in 300 hours of “sweat equity,” which means they help build their own home, or volunteer at the Habitat ReStore. These prerequisite hours also include classes in personal finances, home maintenance and other relevant topics to help ensure capability for the demands of owning a home.

3. Able to pay an affordable mortgage.

Habitat offers homebuyers an affordable mortgage. Those payments are then cycled back into the community to help build more affordable homes.

Are you or someone you know interested in being a Habitat homeowner? Applications are now available. See if you qualify and download an application today!