We believe that a stable community begins with home ownership. By giving this opportunity to economically disadvantaged people in our community, we are enabling them to take control of their lives. Habitat’s ultimate goal is to eliminate poverty housing and homelessness in the world by providing homeownership opportunities to those in need.
Merrimack Valley Habitat for Humanity is part of a global nonprofit housing ministry that works in partnership with people in need to build or renovate simple decent homes. Habitat for Humanity is founded on the conviction that everyone should have a safe and decent place to live. Our programs bring people together – both at the community level and in the broader society (government, civic organizations, the general public, etc.) to build homes to be owned by families in the communities we serve in the Merrimack Valley.
Many of our volunteers come to us without construction experience. They come to us from all walks of life and are committed to helping our neighbors. Volunteers join us in activities that are personally rewarding and that support the community, from on-site skilled and unskilled labor to office and committee support.
Habitat families get a hand up, not a hand out. They buy their homes from Merrimack Valley Habitat after they provide between 240 and 360 of “sweat equity hours” to build their own home and other families’ homes. They purchase their homes with a zero-interest mortgage held by MVHH, and then pay a reasonable monthly mortgage that includes an escrow payment for taxes, insurance and maintenance. Becoming a Habitat homeowner family is based on three specific criteria:
- the need for decent shelter,
- the ability to pay on the zero-percent mortgage for the cost of the home, and
- the willingness to partner with the Habitat program.
To learn more about becoming a family partner, please check out our homeownership page.
- Founded in 1985 as a non-profit, ecumenical-based organization
- 81 homes built and 11 homes rehabbed since 1985.
- 6 homes currently under construction and another 14 in the pipeline
- The average home costs approximately $150,000 to build.
- Every Habitat family homeowner contributes “sweat equity” to their homes, building their homes and the homes of others.
- Habitat families purchase their homes for the out-of-pocket cost of construction with a no-interest mortgage held by Habitat.
- Habitat homeowners earn between 25% and 60% of the area median income (dependent upon the surrounding community) – for a family of four, that means $22,000 – $44,000 annually.
- Habitat finances homes with a 20 – 30 year, no-interest mortgage.
- Merrimack Valley Habitat serves 22 cities and towns in the Merrimack Valley.