Home Ownership– how to apply

Four fundamental criteria are used to determine who is selected to be a Habitat partner.

  • Need for Shelter - The applicant's current shelter is inadequate because it is either structurally unsound, overcrowded, has unsanitary or unhealthy conditions, or the resident is paying more than 50% of household income for housing.
  • Willingness to Partner - The applicant agrees to and completes 250-500 hours of sweat equity and participates in the partnering program which may include financial counseling and household management education.
  • Ability to Pay - The applicant's Household income is between 30% and 50% of area’s median income based on family size.  For a 20-25 year mortgage, a homeowner’s monthly housing expenses would be approximately $500 to $600 per month (includes mortgage payment, home insurance, property taxes, and utilities).
  • Residency for at least a year in the Northern Berkshire County area and a commitment to remain within this community.

If you meet these criteria and wish to pursue home ownership through Habitat, learn more from our Fact Sheet for Families. A preliminary questionnaire can be submitted to express interest in applying for homeownership.

If you need further information and application materials:

  • Call 413-664-4440 or leave a message with home address and phone number on the answering machine.
  • E-mail nbhabitat@msn.com for more information.  Please include your current mailing address and phone number.
  • Stop by our office, 61 Main Street, Suite 246, North Adams, Monday-Friday, 9am-noon.
  • Mail to NBHfH, PO Box 391, North Adams, MA 01247.