Merrimack Valley Habitat for Humanity builds safe, decent affordable homes in partnership with future homeowner families. Eligible families apply to become a Habitat homeowner when Merrimack Valley is about to begin building a home(s).
Information meetings to explain the MVHH homeownership program will be held once a year in the fall. The opening of the application cycle and schedule of information meetings will be announced on our website, in local media and by local organizations.
Review the qualification criteria:
In addition to the above qualifiers, please visit our Qualifying for Homeownership page to confirm you are eligible to apply.
To request an application please email us at firstname.lastname@example.org or call 978-681-8858. We will provide you an application and schedule time to meet with our Family Services Coordinator to learn about Merrimack Valley Habitat’s homeownership program.
Once you’ve met with our Family Selection Coordinator, you will be provided an application. All forms need to be completed and signed within 30 days of receiving the application or two weeks before the first Family Selection Committee meeting, whichever comes first. Merrimack Valley Habitat for Humanity reviews your application and calculates the applicant(s) income, applicant(s) debt and conducts a credit check of everyone who will be on the mortgage. If you meet the guidelines and qualify, the applicant(s) will receive a phone call from a Family Selection Committee member to move to the next step.
What if I don’t qualify?
If applicants do not meet Merrimack Valley Habitat for Humanity financial and credit criteria and are not accepted into the program, you will receive a letter within 30 days with a description of the reason for the denial, who to contact to receive a free copy of their credit report, and a referral to a credit counseling service, if necessary.
Financially qualified applicants will be contacted either by the Family Services Coordinator or a Family Services Committee (FSC) member to schedule a home assessment visit. Two home assessment visits takes place at the applicant(s) current permanent residence to assess their housing need and willingness to partner and take on the responsibilities of Merrimack Valley Habitat’s homeownership program.
All applicants, including all members of their household, will be interviewed by two members of the Family Selection Committee during the home assessment visit. The approximately 30-minute interview provides an opportunity for an applicant and his/her family to explain:
It also provides an additional opportunity for applicants to ask questions concerning the program, the application process, selection process, build process and any other questions you may have.
The start of the Habitat Partnership begins with signing a Partnership Agreement Letter (PAL). The PAL outlines the expectations for both selected partner families and for the affiliate. This does not mean that the applicant(s) OWNS the home. ALL requirements must be met, including, but not limited to:
Please note: Forty five (45) days prior to home closing, all financials, credit-worthiness and ability-to-pay will be re-evaluated.
Additionally, selected homeowners are required to:
Homeowner applicants must be willing to live where MVHH has land on which to build or where MVHH is rehabilitating a home that MVHH owns.
The entire homeownership process from submitting your completed application, to completing the sweat equity requirements, to moving in, can take anywhere from 12 to 18 months or longer, depending on delays due to inclement weather; utility service and installation, and the scheduling of required city inspections.
If an applicant(s) financial situation changes (for the better, or for the worse) please contact the Family Services Coordinator immediately via email at email@example.com or via phone at 978-681-8858 for financial reevaluation to ensure qualification for the program.
If Denied, Can I Reapply?
We encourage any and all denied applicants to take the steps to improve their eligibility as it was explained to them in their letter of non-qualification (see above: What if I Don’t Qualify?) and reapply during another application cycle. Applicant(s) must wait at least one (1) year to reapply if denied due to credit issues. All applicants, regardless of reason for denial, will have to go through all the steps listed each time an application is submitted.
We DO NOT have a waiting list for homeownership. The application and build process will vary depending on the availability of properties.