A home of one’s own with Habitat

One of the constant topics of conversation in the Northwest Corner is the need for affordable housing. And yet often when affordable homes become available through one of the local housing trusts or through Habitat for Humanity, there are very few applications for ownership. 

On a recent morning, Habitat Executive Director Bob Whelan was giving some thought to why only one person so far has inquired about the new home being built on Furnace Road in Salisbury. Applications are due on Nov. 22 and Whelan was beginning to worry that no one would apply for the chance to own their own home in a desirable neighborhood in Salisbury for less money than most apartment rentals. 

If no one applies, construction on the house will be delayed. The Habitat partnership model requires that the homeowners contribute 400 hours of sweat equity to the project. 

That doesn’t necessarily mean that the partners need to “wield a paintbrush or hang sheetrock,” he said. There are many ways the 400 hours can be fulfilled — including with work done by friends and family. The partners can also do work for the Habitat organization, working at fundraisers or perhaps doing office work. 

“People should just apply and then we can work out the details,” Whelan said. 

Some people might have a mental image of who a Habitat partner is, he mused. It’s possible that area residents in need of shelter believe that the houses are available only to traditional families with several children. A single mother with a single child could apply, Whelan suggested. An elderly couple with a house that’s grown too big and expensive to care for can apply.  One consideration, though, is that the Habitat partner should have some connection to the six towns serviced by Habitat of Northwest Connecticut, either as a resident, a working person employed in one of the six towns, or some other strong, demonstrable connection to the area. 

The applicant should also have some kind of intractable housing problem that they can’t solve, Whelan said. They are perhaps living in a space that’s too small (or too large) for the number of people in residence; they are perhaps in a house or apartment that has maintenance problems that are too expensive to be fixed on the owner’s income or that a landlord is unwilling to fix on behalf of the renter. 

There are many possible reasons why someone might qualify for a Habitat house, Whelan said. Anyone who thinks they might be eligible should just call him and discuss the details. There’s no reason not to, other than perhaps fear of the unknown.

To help quell those fears, Whelan is more than happy to break down the financial requirements in a way that makes sense. Essentially, the Habitat partner owns the house itself but not the land beneath it. The homeowner will get a mortgage from Habitat with zero percent interest on it. The payment term will be adjusted so that the monthly payments and escrow are no larger than 30 percent of the partner’s gross income at the time the partnership begins. 

There is an income limit for applicants based on the Area Median Income in Litchfield County. The rule is that the partner is not earning more than 60 percent of the Area Median Income (AMI), which is also dependent on family size. The figure for a family of four is $58,080; the figure for a single person is $40,680.

The Habitat home on Furnace Road will be the organization’s  13th in the six town area that includes Norfolk, Salisbury, Sharon, Cornwall, Falls Village and North Canaan. 

“Ideally, we’d like to have a roof on the structure by Dec. 31,” Whelan said. “That way, our volunteers can work on the interior through the winter.”

Also ideally, the house would be completed by next summer.

Anyone who wants to volunteer to help with the house, by the way, can sign up at www.habitatnwct.org on the right side of the home page. 

Anyone who would like to apply or anyone who has questions should contact Whelan directly by phone at 860-435-4747 or by email at habitatforhumanitynwc@gmail.com.  

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