Home ownership.

An affordable home with an affordable mortgage.

Do I qualify?

Applications will be evaluated for eligibility in three key areas:



Your current living situation is inadequate for your family; you have a need for an affordable home. Your total family income is 66% of the median income in Fairfield County according to HUD guidelines. You don’t qualify for a conventional mortgage for a market-priced home. You are a First-time home-buyer and do not currently own a home.



You have a stable income, and enough income to pay a monthly mortgage, including taxes, insurance, and utilities. You are deemed “credit-worthy.” We will evaluate your current debt and other living expenses compared to your income. (If you are taking steps to repair any credit problems, we will take that into consideration.)



You are willing to complete 250 hours of “sweat equity” working on Housatonic Habitat activities. Completion of a financial literacy home ownership courses Other various service requirements.

Get started by completing our short-form application.

Complete this pre-screen and we will send you instructions on how to proceed with the selection process now or in the future. Our formal application is for those who meet income guidelines and will ask you to write a personal statement of need and to provide documents consistent with banking practices.