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Two-Family Homes for Sale
65 North 5th St., Paterson
5 Garfield Ave., Paterson

Both units in each home include:
3 bedrooms, 1.5 bathrooms
One unit includes a garage
Income Guidelines
Selection Process


  • Minimum income of $70,000.

  • Household income meets maximum limits.

  • A suggested credit score of 660.

  • Housing expense ratio of less than 30%.

  • Must be able to obtain a pre-qualification from a mortgage lender within 10 business days of random selection notification.

  • Have not owned a home in the past 3 years.

  • The home must be owner-occupied.

  • The rental unit must be a low-moderate income rental; estimated $1,650 per month.

  • All residing in the home must be legal residents

  • of the United States.

  • Must complete HUD homeowner and landlord training by closing date.

  • Willing to partner with Passaic County Habitat.

Income Guidelines: 

Family Size
Maximum Income

Selection of Buyer(s): 




Random selection.


If randomly selected, seek mortgage approval.


Submit required documents.


Await review.


Receive decision lettter.


Submit purchase contract.


Secure lawyer, insurance, appraisal, title, survey, & mortgage commitment.

How to Apply:

If you are eligible please follow the pre-application process:

  • Download the application or request one to be mailed to you by calling (973) 595-6868 ext 113.

  • Submit your completed pre-application to

  • Completed pre-applications may also be dropped off Monday to Friday from 10am to 4pm at the Passaic County Habitat office, 146 North 1st Street, Paterson.

Pre-applications will be accepted
January 9, 2023 to March 3, 2023 at 3pm.

Only fully completed pre-applications, will be processed beginning March 6, 2023. If we have more applicants who qualify than homes available, applicants will be identified through a random selection process.

Information Sessions & Open Houses:

During our information sessions we will discuss the details of the two homes for sale, the pre-application process, how to qualify and how to submit your pre-application. Open Houses will be held at both location so that you may tour the homes for sale. Please register below. 

Virtual Information Sessions:

  • Thursday, January 19th (6:30pm)

  • Thursday, February 2nd (6:30pm)  

Open House: 

  • Saturday, January 21st (1-3pm) at 65 North 5th Street

  • Saturday, February 11th (1-3pm) at 5 Garfield Avenue

Required Documents:

Once you receive notice of eligibility through random selection please provide Passaic County Habitat with copies of the following (we do not accept originals):

  • Pre-approval from lender.

  • Copy of credit report for applicant and co-applicant.

  • Copy of last four (4) or six (6) pay stubs. If self–employed, provide last two (2) quarters of profit / loss statements for ALL household members. They must be consecutive.

  • Two (2) years federal AND state tax returns (w-2 forms attached) for household members 18 years and over.

  • For all household members provide: 

    • Copy of most recent consecutive savings and checking account statements (3 months).

    • Copy of most recent pension statement, if any.

    • Verification of supplemental income if any, i.e.: child support, social security.

    • Child support – court judgment or current 6 months check stubs

    • Social security – current statement of benefit letter

    • Other – provide evidence of any other benefits

    • Letter from employer stating length of service and salary (on employer letterhead) for all household members and if overtime is mandatory or voluntary if applicable.

    • Social security card(s).

  • Additional information may be required upon request based on your personal situation.

List of Lenders for Affordable Mortgages:

You may secure your pre-approval and financing from any bank of your choice; however, the following lenders have special mortgage products for Affordable Housing. We will not entertain pre-approvals from other lenders unless they review and approve the deed restrictions.

Columbia Bank
Steve Goldenberge | Office: (201) 845-6419 | Cell: (201) 264-6966 |
Email: | Website


Columbia Bank
India Delgado (spanish-speaking) | Cell: (201) 687-9667 | Email:


Loan Depot
Lillian Hernandez | Office: (609) 786-1112 | Cell: (609) 414-4955 |
Email: | Website


M&T Bank
Benjamin Codjoe | Cell: (732) 801-4276 | Email: | Website


TD Bank
Jack Granger | Office: (973) 903-3252 | Email: | Website

Valley Bank
Dino Callegari | Cell: (973) 390-8852 | Email: | Website

How to Apply
Info Session & Open Houses
Required Documents
List of Lenders


Contact our Homeowner Services Department.

973-595-6868 ext 113

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