Becoming a Homeowner

Application Process
Please note: Families with immediate housing needs should contact Mass211 (dial 211) or visit

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.


Complete the application accurately and completely and include photocopies of all necessary documentation. Mail or hand-deliver to the HFHNCM office (201 Great Road, Suite #301, Acton, MA 01720) during business hours Monday to Friday.

Your application will be reviewed to ensure it is complete. If information is missing, a letter will be sent to you stating what is missing and advising you to return the missing items to the HFHNCM office as soon as possible. No further action can be taken until the missing pieces are received.

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.


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

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

Frequently Asked Questions

What is a typical home like? How much does it cost?

Still have questions?

Contact Carolyn Read, Executive Director, (978) 348-2749 x206
or send us an email.

Homeownership Criteria

Need, Willingness to Partner, Ability to Pay…
Do you think Homeownership might be right for a relative, friend or colleague? Download our Family Services Brochure and pass it along!