Family Selection Information

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FAMILY SELECTION CRITERIA

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Looking for an affordable opportunity to buy a simple, decent home?

Family Selection Criteria
The selection of families who will purchase homes from Northern Ocean Habitat for Humanity will be done by the Family Selection committee using criteria in a way that does not discriminate on the basis of race, sex, color, age, handicap, religion, marital status, or because all or part of the applicant’s income is derived from public assistance programs.
NOHFH will look at three distinct areas of selection criteria when reviewing potential “Partners”.
1.    Your family’s actual housing need based on the suitability of your current shelter.
2.    Your current income and ability to make payments.
3.    Your willingness to participate as a “partner” with Habitat.

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NEED

1. You will be considered for a Habitat home if your present housing is not adequate housing through other conventional means. Lack of adequate housing may include problems with the following: water, electrical, sewage service systems, heating system, or failure to maintain municipal property maintenance standards. Also take into consideration are the number, ages and sex of your children compared to the number of bedrooms in your home.

2. The percentage of your monthly income that you currently spend on housing is considered to determine need. You will be required to openly and fully discuss your financial situation with a Habitat interviewer.

3. You must currently live in Northern Ocean County (north of Lacey Township) and have resided in Northern Ocean County for at least one year.

4. You and your family will be considered if your total income falls within the range below;

Ability to Pay
Since you will actually be buying your home from Northern Ocean Habitat for Humanity you must demonstrate your ability to pay the monthly mortgage payment. This payment will include not only the mortgage payment but also the payment of real estate taxes and insurance. We will help you determine if this payment will jeopardize your ability to meet all your other family financial obligations and expenses. We can also help you if you need to develop a budget to determine your eligibility.
WillingnessTo Partner
Your assistance in constructing your home and the homes of others is called sweat equity and may include clearing the lot, painting, helping with construction, providing food for the volunteers, or working in the Habitat ReStore. As a partner family, you must complete 250 hours of service for each adult in your family (up to 500 hours). Your family can receive credit up to 30% of your total hours by applying time in on your behalf by friends and relatives who join in the work. Your sweat equity obligation must be completed before moving into your home. You will be responsible for maintenance and repairs of your home from the time you move into your house.
After moving into your home, the Family Support Committee will maintain an on-going relationship with you. This included financial counseling and household maintenance education.
Family Size
1 2 3 4 5 6 7 8
Minimum Income 18550 21200 23850 26450 28600 30700 32800 34950
Maximum Income 30900 35300 39700 44100 47650 51200 54700 58250

We are pledged to the letter and spirit of US 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 obtain housing because of race, color, religion, sex, handicap, family status or national origin.