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Home Ownership

Habitat welcomes all low-income families interested in home ownership to attend our Family Selection sessions to learn more about Habitat's affordable housing options.  Eligible applicants must have lived in Hudson County for at least one year.

Habitat for Humanity does not give away houses.  If selected, a family must agree to work sweat-equity hours by volunteering in various ways in Habitat's building program. When all requirements are met, the family may purchase a Habitat home with an interest free mortgage.

To become a Habitat for Humanity homeowner the family must meet income guidelines, have an ongoing ability to pay the mortgage, and be willing to partner in our program.  Additionally, applicants must submit to a credit check and be willing to participate in financial planning and budgeting workshops.

The home application and evaluation process is divided into three core phases. All individuals (age 18 and over) who will be applying for a home must be present during the entire process. Candidates who meet the criteria will be asked to produce the following information to be considered:

  • Complete tax returns & W-2 for the prior two years
  • Last four pay stubs
  • Proof of any additional income or public assistance, such as child support payments, food stamp payments, Social Security/retirement income, etc.

For more information, please contact Habitat for Humanity of Hudson County via email, by phone at  (201) 991-0673, or fill out our Homeownership Interest Form.  More information and application forms will be available at the upcoming Family Selection sessions.