Partner Families

Greater Manchester Habitat for Humanity(GMHFH) builds modest homes for hardworking low-income families who could not otherwise afford a home . To become a Habitat homeowner, a family must be in need of affordable housing, able to make a monthly mortgage payments, and be excited to work as a partner with Habitat . As an Equal Housing Opportunity provider, we work with people from all walks of life and backgrounds.

Our Partner Families have a wide range of backgrounds and circumstances . We use the word Partner to focus attention on the expectation of involvement for the selected family. Becoming a Partner Family means meeting certain criteria for need, income and willingness. It means attending orientation sessions, participating in construction and developing homeownership and good neighbor skills . A family is expected to contribute many hours working side by side with Habitat volunteers during the construction process along with taking financial and homeownership classes . Often a family will contribute to the PR and fundraising efforts of the organization as well.

Criteria

The Habitat program is designed for low-income families who are committed to building a better place to raise their families. Becoming a Habitat homeowner is not a solution for families facing a housing crisis that involves finding a new place to live right away . ( Anyone in this situation is urged to contact their local municipality or dial 2 - 1 - 1 for a referral. )

Habitat homeowners must meet 3 criteria:

1. Need for Housing

  • Simply having the desire for home ownership.
  • Living in overcrowded housing
  • Living in substandard housing (housing that needs repairs or is unsafe
  • Currently paying rent that is too high
  • Being a resident of public housing (may or may not be a factor in qualifying)
  • Unable to obtain a regular bank mortgage or qualify for other available housing programs

2. Ability to Pay

  • Income : Income must be stable and fall between 30 % -60 % of HUD Area Median Income.
  • Budget: Your estimated mortgage payment should be between 30% and 35% of your income and mortgage and other debt combined should be no more than 40% of your income.
  • Able to afford payment of utilities, taxes, insurance, maintenance expenses and the repayment of the interest-free mortgage

3. Willingness to Partner

  • Applicants must be willing to perform sweat equity(volunteer) hours. GMHFH requires that all adult members( 18 years and older ) in your household be willing to work toward a maximum of 500 sweat-equity hours.
  • Willingness to participate in educational programs about homeownership, budgeting, home repair, and home maintenance.
  • Agree to make monthly payments when they are due, which includes the principle, escrow, and may include a condo fee.
  • You must live or work in our service area for a minimum of one year. Greater Manchester Habitat services Manchester, Hooksett, Candia, Auburn, Derry, Londonderry, Litchfield, Bedford, and Goffstown.
  • Have a commitment to a drug-free community and no serious criminal history.
  • Applicants MUST be legally able to purchase a home in the US.

To qualify, family income must fall within income guidelines based on Family size. Our guidelines are based on 25% to 60% of the HUD Area Median Income for Manchester. In selecting families, Habitat does not discriminate on the basis of age, sex, race, color, religion, physical or mental disability, national origin, or family status.

Family
Members

Minimum
Income 25%

Maximum
Income 60%

1 $13,900 $33,360
2 $15,900 $38,160
3 $17,875 $42,900
4 $19,850 $47,640
5 $21,450 $51,480
6 $23,050 $55,320
7 $24,625 $59,100
8 $26,225 $62,940

Applicants must:

  • Be willing to work on their own home and the homes of others in the Habitat community(this work is called “Sweat Equity”)
  • Complete their Sweat Equity requirement before they can purchase the house
  • Prove that they have sufficient income to cover the repayment of the mortgage and all living expenses
  • Attend classes on homeownership, finances, and other topics.
  • Prove that they have sufficient income to cover the repayment of the mortgage and all living expenses
  • You must participate in at least one Saturday Build as part of the application process.

Process

The process of becoming a GMHFH homeowner begins by attending a homeowner orientation meeting. These sessions are held on an as needed basis. Each homeowner orientation meeting provides information about the Habitat mission, the home building and ownership process and the financial responsibilities associated with being a homeowner and good neighbor in the community.

Greater Manchester Habitat for Humanity conducts orientation sessions for prospective applicants once a property is purchased. Attendance at one of the Homeowner Orientation Meeting is required of all applicants. These meetings will be posted in the Events Section of this website when scheduled.

At the Homeowner Orientation Meeting, applicants receive useful information on Habitat for Humanity and the application process. Once the application is received it is reviewed by the Family Selection Committee. They then select qualified families for home visits where the process is fully explained and the home is reviewed for need. The most qualified families are then presented for a final selection which is made by the Board of Directors in a blind process.

On approval and completion of sweat-equity hours and down payment requirements, Greater Manchester Habitat for Humanity will sell the home with a 0% interest to the partner family. These house payments will be used by Habitat to continue building more homes for other families.

Homeowner Orientation Meetings

We are currently accepting applications! To get your application, sign up for one of the MANDATORY Homeowner Orientation Meetings listed below. If for some reason you are unable to make any of the sessions, please contact us. Babysitting will not be provided, so please make other arrangements to watch young children.

Manchester City Library 7-8:15pm

  • Monday December 21, 2015
  • Thursday January 21, 2016
  • Monday February 22, 2016

Click here to sign up and download an application http://apply.habitatmanchester.org
or call the office at 603-626-3944 - Option 1

Questions?

Call 603-626-3944 Option 1 or e-mail us at selection@habitatmanchester.org





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Click here to get more information about home ownership, criteria and orientation meetings.