Homeownership

HABITAT HOME PARTNERSHIP PROGRAM

No matter who we are or where we come from, we all deserve to have a decent life. We deserve to feel strength and stability day after day. We deserve to to know we have the power to take care of ourselves and build our own futures. At Habitat for Humanity of Northwest Connecticut, this is what unites us. Through shelter, we empower.

THE APPLICATION PERIOD IS NOW CLOSED. BUT WE ARE EAGER TO ANSWER YOUR QUESTIONS.

Please contact our office @ 860-435-4747 so that we can educate you and your family about our program.

HABITAT HOME PARTNERSHIP PROGRAM. IT’S A HAND UP, NOT A HAND OUT.

Do you want to improve living conditions for your family? Would you rather own a home, instead of renting?

Is qualifying to buy your own home a problem? Would a no-interest mortgage with affordable payments solve the problem?

Are you willing to partner with Habitat for Humanity of Northwest Connecticut by investing some of your time to make your dreams come true?

YOU MIGHT BE A PERFECT CANDIDATE TO BE A HABITAT PARTNER

Affordable Home Ownership: Habitat’s unique affordability formula means you can own a home for ‘much less than normal’!

Building materials: We thank local building suppliers for offering us special discounts, and contractors, businesses and neighbors, for donations of high-quality building materials.

Sweat equity and volunteer labor: Every Habitat homeowner dedicates at least 400 hours of labor to Habitat. You are backed up by a professional site manager, and skilled trades, many of whom donate their expertise and use of specialized tools. Dozens of building volunteers round out the picture.

Zero-interest mortgage: The biggest part of the Habitat affordability formula. Because 100% of your Habitat mortgage principal payment goes to paying off your loan, mortgage payments can be half as much as they would be for a normal, interest-bearing loan.

Lower property taxes: Habitat retains title to the land, further reducing the monthly payment since you pay property taxes only on the improvements.

We also give you access to financial literacy training and home maintenance resources to help you navigate the obstacles of home ownership.

Could you be the next Habitat Partner?

Does this describe you? 

You have a housing problem, which you can not solve on your income. Perhaps you are squeezing three into one small bedroom. Or your rental unit has poor insulation, serious mold, or a heating system that is giving up. Habitat can help if your family earns less than 60% of the median income for Litchfield County for a family of your size. In 2016 that means the approximate income limits, for families of 2-4, are $42,900 to $53,580.

You can afford approximately $800 – $1,000 per month for a Habitat mortgage, including insurance and property taxes. (Heat and other utility costs are not included in this figure and would be your responsibility).

You’re ready and able to partner with Habitat to get your home built. Each Habitat household commits at least 400 hours of labor to the Habitat program including 100 hours of construction activities on your own home. You can also earn sweat equity in other ways, such as working on fundraising events, at our store This ‘n’ That from Habitat, or in the office.

You live, work, or have another close connection to Cornwall, Falls Village, Norfolk, North Canaan, Salisbury or Sharon.

You fall within these income limits based on the number of people in your family:

2016 Income Limits for Litchfield County

1 Person Family | $37,560.00 Maximum Income

2 Person Family | $42,900.00 Maximum Income

3 Person Family | $48,240.00 Maximum Income

4 Person Family | $53,580.00 Maximum Income

5 Person Family| $57,900.00 Maximum Income

6 Person Family | $62,160.00 Maximum Income

7 Person Family| $66,480.00 Maximum Income

8 Person Family | $70,740.00 Maximum Income

Equal Opportunity Housing

equal-housing-opportunity-logo

Habitat for Humanity of Northwest CT is pledged to the letter and spirit of the U.S. policy for the achievement of equal housing opportunity throughout the nation. We encourage and support an affirmative advertising and marketing program in which there are no barriers to obtaining housing because of race, color, religion, sex, handicap, familial status, or national origin.