To start the process, please fill out our Eligibility Questionnaire, which you can find above. After that, our Homeowner Selection Committee will be in touch to walk you through next steps. If you prefer, you may also call our office at (207) 299-7793.

No. Habitat homes are not free. A prospective owner would still need to qualify for at least a small mortgage based on your income. Our affiliate, Habitat for Humanity of Greater Bangor, would hold a "silent second" mortgage. This amount represents the difference between what the homeowner can afford and the sales price. The silent second mortgage is forgiven at the end of the mortgage term, provided the home has not changed ownership.

Your credit score needs to be 640 or higher. Want to know how to improve your credit score? Talk to your bank or take a look at these suggestions from NerdWallet.com.

We will discuss your full financial picture with a goal of ensuring that your mortgage payment is manageable for you and your family. Habitat wants to set you up for success! Resources are available to help you make a plan to reduce your existing debt to under 43% of your income. Here is a tool to get you started: Use this calculator tool to find out.

Sweat equity at Habitat for Humanity of Greater Bangor means that selected homebuyers invest their own labor — alongside volunteers — in building their own home or another family’s home, as part of the homeownership program. Our Homeowner Selection Committee can tell you more about our affiliate's requirements.

Habitat homes are built to be modest, energy efficient and affordable. We utilize community partnerships, volunteers and the future homeowners themselves to construct the home.

Our current floor plan includes the following:

• 1 level / 1040 square feet

• 3 bedrooms / 1 full bathroom

• full basement

• all appliances are included (refrigerator, dishwasher, stove, microwave, washer and dryer)

• off street parking for at least one vehicle

• yard size varies depending on the house lot

The selection process can take up to three months. It takes us 9-12 months to build a home, but the home is typically under construction well before the homeowner is selected.