WE ARE NOT ACCEPTING APPLICATIONS AT THIS TIME, having already selected our 19th partner family — on whose house we plan on beginning construction in the late spring of 2017. We anticipate that applications will be available again in the late summer or early fall of 2017 in advance of our 20th build. Please continue to check our website for information or feel free to call or stop into our main office (207-667-8484 – 218 Downeast Highway, Ellsworth, ME). We strongly encourage you to apply when the cycle re-opens.
Eligibility for Habitat for Humanity is based on: Need, Willingness to Partner, Ability to Pay, and Income
NEED: You can be considered for a Habitat home if your present housing is inadequate and substandard, and if you are unable to obtain adequate housing through conventional means. Also taken into consideration are the number, age and gender of children compared to the number of bedroom in current housing.
WILLINGNESS TO PARTNER: When selected, you become our partner family. Each partner family contributes 250 hours of ‘sweat equity’ per adult in the household (up to a maximum of 500 hours) on the construction site, at the ReStore, and in various other capacities.
ABILITY TO PAY: To be selected for a Habitat home, a family must have adequate, reliable income to pay the no-interest mortgage payment, real estate taxes and insurance. Additional requirements also apply, including meeting income eligibility guidelines.
INCOME ELIGIBILITY: The income requirement is that a family of x size earns between 30% and 60% of the median area income, as defined by HUD. (HUD calculations are based on a family of 4 with slight changes in the applicable % either up or down based on the family size. Approximate incomes within these ranges are shown in the table below. Income ranges are updated annually. Actual income ranges for a specific Habitat project could be different due to funding requirements.)
How does Habitat decide who gets a house?
Hancock County Habitat’s Family Selection Committee carefully screens applicants. Families are chosen on the basis of need, ability to pay an interest-free mortgage for 15-30 years, and willingness to provide the required # of hours of sweat equity per adult.
Are Habitat houses free?
No. Habitat is a “hand up”, not a handout. As an investment in their homes, our partner families agree to provide 250 hours of sweat equity per adult (up to 500 hours per household). This includes working on their own home or other Habitat homes and attending workshops on subjects like home and yard maintenance and budgeting. Each family has a mortgage that is repaid without interest over 15-30 years. Monthly payments, which include taxes, typically run on average less than a 2-bedroom monthly rental. Each house is appraised prior to closing, and the difference between the first mortgage and the appraised value becomes a silent second note, and, in recognition of the equity already invested in the house, is forgiven a certain % each year over the history of the term of the first mortgage. The home is fully owned by the family at the end of the mortgage.
Typical Hancock County Habitat Home (actual layout/size may vary)
WE ARE NOT ACCEPTING APPLICATIONS AT THIS TIME, however, please fill out the contact form below and we’d be happy to give you more information about our program and process: