Residency & Housing

Residency Requirements

• Be a U.S. citizen

• Be a resident of Middlesex County for a minimum of one year

• Be a first-time homeowner

Are you living in substandard housing due to

• High cost / rent - above 35% of net monthly income

• Condition is below minimum standards

• Current situation is overcrowded

• Living with another family

Income & Financial Stability

Homeowner Partners must be able to make long-term mortgage payments demonstrating financial responsibility and stability. 

Factors for consideration include

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• Annual income must fall within qualifying range

• Length of time with current employer is considered

• Ability to pay closing costs

  • A monthly payment plan will be set up to help cover closing costs and demonstrate financial responsibility throughout the process.​

Credit & Criminal Background

Habitat for Humanity Middlesex will conduct both a credit and criminal background check on all potential Homeowner Partners.  

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Credit History

• Should not have outstanding judgments or bankruptcies (other than medical) in the last three years

• Should be no accounts more than 60-days past due

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Criminal Background

• No felony convictions

• No sex offender database

• No outstanding warrants

Partnership

Homeowner Partners must demonstrate a willingness to partner with Habitat Middlesex through ​sweat equity requirements and financial workshops.

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Sweat Equity

• Homeowner Partners are required to provide 400 hours of "Sweat Equity" to assist in the construction of their home.

Training Workshops

• Homeowner Partners are required to attend and complete training in areas such as budgeting, home ownership, legal issues, and energy efficiency.