Homeownership through Habitat for Humanity Northumberland

How to apply?

You can fill out the expression of interest form found here: Expression%20of%20Interest%20Application%20Ref%20%20HFHN

This form needs to be dropped off at the Habitat office once completed.

If you are encouraged to proceed you will then attend a family information session to find out more information. The information session is approximately 1 hour long and will provide you with an overview of our Homeownership program, the application, and selection process. At the family information session you will receive a more indepth application form.

Our staff is always available to assist you with your application form.

If you would like to be notified of the next Homeownership Information Session please contact Laurie at 905-373-4663 ext.28 or at info@habitatnorthumberland.ca

Who Qualifies?

Partner Families are selected by an independent committee and are choosen on the basis of:

1. Need

    Total family income must be classified (by CRA standards) as below the poverty line

    Does your current home fit your physical needs?

    Is the wiring/plumbing/ventilation adequate?

    Is it affordable?

2. Ability to Repay a Mortgage

    Do you have a steady and reliable income?

    Do you have a good work history?

3. Willingness to Partner with Habitat for Humanity

    Would you like to improve your families current situation?

    How will you contribute 500 hours of 'sweat equity'?

    Is helping your community important to you?

Total family income (before deductions) must be below the poverty line.

Will I own the home?

Yes, you will purchase your home and contribute 500 hours of 'sweat equity' to our affiliate. All Habitat for Humanity Northumberland homes are sold to families with no down payment required and with an interest free mortgage.

Your monthy mortgage payments will be set at no more than 25% of your monthy income. Every year, you will need to bring in your tax statements showing your income and we will reassess your payments accordingly.

Habitat for Humanity Northumberland will hold your mortgage. Habitat for Humanity Northumberland will use your mortgage payments to build more homes throughout the county.

What type of homes do you build?

We build simple, decent, affordable homes.

These are the main aspects of Habitat for Humanity homes:

• Modest

• Meets all building codes and requirements

• Has a living room, kitchen and eating area

• Is built to Energy Star Specifications

• Has painted walls and ceilings

• Has good quality doors and windows

• Usually has exterior vinyl siding

• Driveway

• Two new basic appliances: refrigerator and store. (A washer and dryer may be added at additional cost)

What is not included?

• A garage
• Air conditioning, dishwashers, fencing or bay windows
• Upgrades to basic materials