Become a Homeowner

Become a Homeowner

Habitat is always open to starting a conversation with motivated individuals and families that are interested in becoming Habitat homeowners. This section of our website will give you some information on what it takes to qualify and apply, and how to get started.

The selection of Habitat Partner Homeowners is not done by one person – rather it is completed by our Homeowner Service Committee in a way that does not discriminate on the basis of race, color, religion, sex, age, handicap, marital status, familial status, or national origin. MHFH is an equal housing organization. We follow HUD and Habitat for Humanity International guidelines in our Homeowner(s) selection process, considering those with the greatest need first and the ability to
repay the mortgage. All information is considered confidential and is used only for Homeowner(s) selection purposes.

Applying for a Home

  1. You will be considered for a Habitat home if your present housing is not adequate, and if you are unable to obtain adequate housing through other conventional means. Lack of adequate housing may include problems with the present structure; water, electrical or sewage service systems; heating system, or failure to meet city property maintenance standards. Also taken into consideration are the number, the ages and the gender of children compared to the number of bedrooms in your present home.
  2. The percentage of your monthly income that you currently spend on housing is also considered to determine need. You will be required to openly and fully discuss your financial situation with Habitat personnel.
  3. You will be considered if your annual total income is between 30-80% of the Area Median Income for Middlesex County.

You must be able to pay back an affordable mortgage.

 

Apply for a Home: Home Ownership Interest Form

Step 1: Please answer the following questions. Note: This is preliminary information to see if you are initially eligible to apply for a Habitat House. See Step 2 for information on the full application process.

1. Is your rental housing overcrowded, poorly maintained, and/or too expensive for your income?

2. Do you rent your housing in Middletown, Portland, Chester, Cromwell, Deep River, Durham, East Hampton, Middlefield, East Haddam, Haddam, Essex, Old Saybrook, or Westbrook? And if not would you be willing to move to one of these communities?

* 3. You must meet our income guidelines and can provide documentation:

4. Are you or a member of your immediate family willing and able to help build your home-to-be, and those of your neighbors by working up to 350 hours? (250 hours for one adult applicant, 350 hours for two adult applicants)

*Note: Reasonable accommodations will be made for people with disabilities who may be unable to work at the building site. Other family members or friends may help fulfill the hours or other activities will be substituted. Further information will be provided at Applicant Meeting. Will you need reasonable accommodations?

Step 2: If you answered YES to all of these questions, then your name will be placed on our Applicant Log. We will notify you as properties become available. At that time you will be invited to attend a house applicant meeting with other Habitat applicant families who are interested in that particular house and are willing to complete the full application process.

* First Name:

* Last Name:

* Address:

* City:

* State:

* Zip:

* Email Address:

Home Phone:

Cell Phone:

Work Phone: