OWN/REPAIR A HOME
Habitat for Humanity Home Ownership Program
Do you dream of owning your own home in a decent neighborhood? Greater Nashua Habitat for Humanity may be able to work with you. We are dedicated to partnering with qualifying families within our service area to build simple, decent, affordable homes.
While home ownership is an exciting thought, we caution potential partner families that the process can be lengthy and that it requires lots of hard work. There are several requirements that partner families must meet in order to successfully own their own homes through our program. It is not an easy process. It is hard work. But what is worth having is never easy? When you are done, you will have the security and peace of mind that owning a home can provide.
When selecting a new partner family, Greater Nashua Habitat for Humanity considers the following criteria:
1. Ability to afford a Habitat house
To qualify to be a Habitat homeowner, the family’s income must be adequate to make monthly mortgage payments that include repaying a no interest mortgage, plus the property taxes, plus homeowner’s insurance. This monthly payment should not exceed 30% of the family’s monthly income. The family must be able to pay $1,000 down payment. The family must be credit worthy and must not have excessive debt. The target income level for a family is 50% to 60% of the median family income for the Greater Nashua area. Please see
https://www.nhhfa.org/wp-content/uploads/2019/11/HUDincome_current.pdf for more information
2. Demonstrate a need for decent housing.
To be selected for a Habitat house, the family must have a critical need for improved housing. Factors that are considered include: inadequate current housing, temporary housing, sub-standard housing conditions, rent that exceeds 50% of total monthly income, inadequate number of bedrooms for the members of the family, and unsuitable neighborhood.
3. Willingness to partner with Greater Nashua Habitat for Humanity.
A selected family must be willing to partner with Greater Nashua Habitat for Humanity by providing a minimum of 350 hours of sweat equity (volunteer service hours) prior to closing on the house. The family must also fully cooperate with the Family Selection Committee during its investigations and interviews. The family must also agree to make monthly mortgage payments on time and to participate in our Partnership Program.
Greater Nashua Habitat for Humanity Service Area
We serve the communities of Amherst, Brookline, Hollis, Hudson, Greenville, Lyndeborough, Mason, Merrimack, Milford, Mont Vernon, Nashua, Pelham, Wilton, and Windham.
For locations outside of our service area, please visit the Habitat for Humanity International website and enter your zip code to locate the affiliate closest to you.
Critical Repair Program
For existing homeowners, Habitat can provide home repairs necessary to continue living safely and affordably in your own home. Eligible families must earn below 80% of the area median income; these guidelines are determined by the U.S. Department of Housing & Urban Development each year. Please see
https://www.nhhfa.org/wp-content/uploads/2019/11/HUDincome_current.pdf for more information.
In general, Critical Home Repair projects:
- Do not exceed $5,000 in total cost
- Require only a few days’ worth of work
Examples of repairs can include:
Wheelchair ramps and installation of handicapped accessibility features
Window and door repairs
…and much more
Families interested in a critical home repair through Habitat must:
- Own your home and have up-to-date homeowner’s insurance.
- Be located within our service area. We serve the towns of Amherst, Brookline, Hollis, Hudson, Greenville, Lyndeborough, Mason, Merrimack, Milford, Mont Vernon, Nashua, Pelham, Wilton, and Windham.
- Have an income of between 25-80% of the area median income (see application for these guidelines).
- Demonstrate a critical need for the repair – is the needed repair affecting your family’s safety, health, etc.?
To apply, please fill out and return a Critical Home Repair application.
Greater Nashua Habitat for Humanity does not have the ability to provide emergency housing. For people looking for emergency housing assistance, please call the coordinated access number at 1-844-800-9911.