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Have you ever dreamed about owning your own home? Do you have a steady income but have been turned down from banks and other financial institutions? Are you trying to provide a descent place to live but can't seem to catch a break? Why not apply for a Habitat home...... Habitat for Humanity of Greater Bangor is a nonprofit, ecumenical Christian housing ministry. HFHGB seeks to eliminate poverty housing, and to make decent shelter a matter of conscience and action. HFHGB invites people of all backgrounds, races and religions to build houses together in partnership with families in need.
Need - In order to be considered for a Habitat home you must have a need. For example if your current housing conditions are not adequate or if you are unable to obtain financing through traditional financing then you have a need. If there are issues with your current housing such as water, heat, electrical, other structural issues as well as overcrowding.
Ability to Pay - Since you are purchasing a home with Habitat for Humanity of Greater Bangor you must be able to have the ability to make the monthly payments on the mortgage. These payments will be calculated to include the appropriate taxes and insurance on the property. Please be aware that we do run credit histories on all potential partner families. The decision on a partner family is not entirely based on credit score but we do look to see if you are making your required payments. Please review the income requirements below. Based on your family size, your income needs to fall within the 30 - 80% median income for the Greater Bangor Area.
Willingness to Partner - Once you have become a partner family you will be required to contribute a set number of sweat equity hours which can be broken up between the Habitat ReStore and the construction of your home. You will also be required to take a first time home buyers class as well as participate in financial counseling with a member of our family support team.