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Become a Habitat for Humanity Home Owner
We are asked all the time what it takes to be a qualifying partner family. We want to find the right families, families that need a hand up, not a hand out.
The Family Selection Committee looks at three main criteria: 1) need, 2) the ability to repay and 3) willingness to partner, and does not consider race, color, national origin, religion, sex, marital status, age, source of income or sexual orientation in selecting partner families.
Need
- Applicants are considered for a Midcoast Habitat home when present housing is inadequate and when the family is unable to purchase a home through conventional means. Lack of adequate housing encompasses problems with: the present structure; water, electrical or sewage service systems; the heating system; and/or failure to meet city property requirements. The number, ages and sex of children are considered when determining the number of bedrooms in the home.
- The percentage of monthly income spent on housing is considered when determining need. Potential partner families are required to openly discuss financial conditions and standing with a Habitat family support volunteer.
- Applicants must have lived or worked in Knox County for at least one year prior ro application.
- Applicants are considered if the family’s total, steady household income is between $19,050 and $57,400, depending on family size.
The Ability to Repay
- Applicants must demonstrate their ability to pay monthly mortgage payments. The monthly payment includes real estate taxes and insurance. Midcoast Habitat for Humanity helps applicants determine whether they can assume the burden of the mortgage payments without jeopardizing the ability to meet all other family and financial obligations, and to develop a budget if needed.
- The mortgage loan is interest free.
Willingness to Partner
- Family participation in constructing their home and homes of others is called "sweat equity" and may include clearing the lot, painting, helping with construction, construction clean up, providing food for volunteers or working in the Habitat office. Families may be credited with up to 200 hours of work provided by friends and relatives who participate. The requirement can be fulfilled over a period of up to two years.
- Families are responsible for maintenance and repair of their homes from the time they move in.
FIRST STEP
Download the PRE_APPLICATION FORM Fill out the form and snail-mail it to:
MIDCOAST HABITAT FOR HUMANITY
PO Box 785
Camden, Maine 04843
SECOND STEP
After the pre-application is received and reviewed, you will be contacted by the Family Selectrion Committee.
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"Habitat provided our family
the opportunity to
build a home
which otherwise
would not have
been possible.
Our family now
has a stable,
safe, affordable
and beautiful
home where we
can settle and
grow for years to
come."
The Fredericks –
Keith , Torey,
Kaydin and Kyla
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