Becoming a Homeowner

Homeownership Application Process

Learn about Habitat’s Homeownership Program

Attend one of the HFHNCM Homebuyer Information Meetings. Members of our Family Selection Committee will explain how the homeownership program works. They’ll also answer any questions you may have. These meetings are scheduled when new home building begins.
Call the HFHNCM office. We’ll go over the basic qualification checklist with you. During the call, you can give us your contact information and we will notify you when we begin accepting applications for our next home.

Get notified

There are upcoming home building projects in Ayer and Leominster in the Fall, 2024. Click here to request to be notified of the next homeownership opportunities in the North Central Massachusetts area. 

Apply

We are currently accepting applications for our upcoming homes in Ayer. Please download and fill out the Application for Housing.

For additional information about what you need to include with your application form, download the App Documentation Checklist Updated 2024.

Financial Review

When your application packet is complete, a credit report is pulled and your application reviewed by a qualified loan originator. All applicants will be notified of their status after the review. Note: we encourage applicants who do not qualify to re-apply if their financial situation changes.

Home Visits

Home visits are scheduled with applicants who have passed the financial review. This gives committee members the opportunity to meet your family, see your current living situation, ask further questions, and discuss partnering opportunities.

Final Review

The committee meets for a final review after home visits have taken place. Names of those applicants who have demonstrated verifiable need, ability to pay and willingness to partner will be entered in to a public lottery. All applicants will be notified by mail of their final status.

Approval

Approved applicants will sign a Letter of Acceptance with Habitat for Humanity North Central Massachusetts. This document outlines what both parties will do to make the partnership a success. A volunteer family advocate is assigned to support each partner family through the home buying process. Families can begin building up their “sweat equity”.

Moving In

When you’ve completed your sweat equity, saved your down payment and the house is completed, a mortgage will be signed between you and Habitat for Humanity North Central Massachusetts. We’ll also gather with volunteers, donors and supporters for a dedication ceremony at the home.

We are an Equal Opportunity Lender

Habitat for Humanity North Central Massachusetts families are qualified without regard to age, sex, sexual preference, marital status, disability, race, religion or national origin.