If you can answer yes to the following 5 questions, you could be one step closer to pre-qualifying!
- Do you have a need to move from your current living accommodations (too small, too big, unsafe, unhealthy)?
- Do you currently have employment or disability income for at least the past 2-3 years?
- Have a total household gross income that falls within one of the following brackets AND family size:
- 2 people: $26,748 – $38,185
- 3 people: $32,888 – $46,362
- 4 people: $39,926 – $52,583
- 5 people: $45,282 – $59,304
- 6 people: $51,073 – $66,027
- Do you have an acceptable credit rating (including not having declared bankruptcy within the last 3 years)?
- Are you willing to partner with Habitat for Humanity Moncton by volunteering 500 hours in building your new home or in the ReStore?
The Family Selection Committee interviews families using the following guidelines:
- What are the family’s present living conditions?
- Can the family afford a house without Habitat’s assistance?
- Does the family’s total income fall within the low-income guidelines?
- Ability to pay for the house:
- A partner family must be able to afford the house payments.
- The main family wage earner must have stable employment with one employer for a minimum of 3 years.
- The total of mortgage, insurance, taxes and utilities should be 30-35% of the family’s monthly gross income.
- After moving into the house, the partner family is responsible for all mortgage payments, taxes, insurance, utilities and household and maintenance expenses.
- To meet Revenue Canada requirements, Habitat reviews the partner family’s income annually and adjusts mortgage payments, if necessary.
- Willingness to partner:
- Habitat works closely with each partner family throughout the selection process, during construction, and for at least six months after the family moves into the house.
- A partner family demonstrates its willingness to partner with Habitat by completing the required 500 hours of sweat equity (volunteer work & construction labour), working alongside other volunteers and qualified trades people, helping to build their own house and other Habitat houses, and working on related Habitat projects.
Start the Application Process
There are 5 steps to the application process:
1. Expression of interest (pre-qualifying questionnaire)
2. Full application with supporting documentation
3. Home visit / Home inspection and housing committee’s project review and selection
4. Family partnership committee application review and selection
5. Final approval from committees or the board of directors if required
To begin the application process, we first require you to submit our Expression of Interest form, below.
For additional information, please contact:
Rhonda McKinley, Executive Assistant