All interested candidates applying for a Habitat for Humanity of Greater Bangor home must fall within the specific qualifications.

• Income - potential candidates should have enough income to pay for taxes, utilities, insurance and other upkeep costs as well as the zero percent interest free mortgage.  The annual income for a Habitat family needs to be between 30 - 50% of the Median Income.  

    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.  

• 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.  
• 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. 

     In order to qualify you must already reside in the Penobscot County.