Four Single Family Homes
Harrison Street, Paterson
Pre-applications will be accepted between May 15 and June 14, 2023 at 3:00pm
Only complete pre-application will be processed. If we have more pre-applicants who qualify than homes available, pre-applicants will be selected through a random selection process.
Eligibility:
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Permanent resident or United States citizen.
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A credit score of 620 or higher.
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Gross annual household income (before taxes) falls within the income guidelines listed below.
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Steady income for at least 2 years.
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Stable source of income that I do not expect to end within the next 3 years.
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Have not declared bankruptcy and if I did, it has been “discharged” for at least 3 years.
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Have not been foreclosed upon in the past 7 years.
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Have not owned a home in the last 3 years.
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Plan to use this home as my primary residence for the duration of my ownership.
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All members of the household have lived together consistently for the past 12 months.
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Will attend one of Passaic County Habitat’s affordable homeownership information sessions.
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Willing to partner with Paterson Habitat for Humanity by committing to complete the 200 sweat equity volunteer hours, by working on the construction site, and by participating in the homeowner preparation classes.
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Willing to save a minimum of $1,300 (1% of the home cost) and a minimum of $4,700 for my closing cost.
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Do not have unpaid non-medical collections.
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Do not have “medical collections” or if I have any medical collections, they are on a payment plan and current.
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Do not have credit card debt or bills in collection including judgments and liens or if I have accounts in collections, they are less than $1,000 and are on a payment plan.
Submit the following documents with your pre-application*: ​
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Most recent tax returns for household members 18 years old and older.
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Copy of last six pay stubs for household members 18 years old and older. If self-employed provide the last two-quarters of profit/loss statements. They must be consecutive.
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One credit report each for both the applicant and co-applicant (no more than 3 months old).
*Do not submit originals. Documents will not be returned. ​
Income Guidelines:
Household Size | Maximum Yearly Income (Low) |
|---|---|
3 | $52,042 |
4 | $57,825 |
5 | $62,451 |
6 | $67,077 |
Homeownership Process:
This process typically takes 8-12 months from start to finish.
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Attend an information session.
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Complete and submit your pre-application with the requested documents.
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If eligible, you will be entered into a random selection process.
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You will be notified IF you are selected to complete a full application from the random selection process.
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You will have 10 business days to provide the complete application and all supporting documentation.
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Wait for Passaic County Habitat to review the full application and provide documentation.
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Receive notification of status – acceptance, notification of incompleteness, or denial.
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Sign a Partnership Agreement if selected for the Homeownership Program.
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Complete 200 sweat equity volunteer hours.
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Close on your new home!
How to Apply:
If you are eligible please follow the pre-application process:
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Download and complete the pre-application.
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To request one to be mailed to you call (973) 595-6868 ext 113.
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Pick up a pre-application at 146 North 1st St., Paterson (Monday thru Friday 10am-4pm)
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Pick up a pre-application at one of our information sessions.
Submit your completed pre-application in one of the following ways: ​
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Mail your completed pre-application to PO Box 2585, Paterson NJ 07509.
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Email your completed pre-application to applications@habitatpc.org.
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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.
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Pre-applications will be accepted
May 15, 2023 to July 14, 2023 at 3pm.
Only fully completed pre-applications with requested documents will be processed beginning July 15, 2023. If we have more applicants who qualify than homes available, applicants will be identified through a random selection process. Do not submit originals with your pre-application. Documents will not be returned.
Information Sessions:
During our information sessions, we will discuss the details of our single-family homes, how to qualify, the pre-application process, and how to submit your pre-application.
In-person Information Sessions:
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Virtual Information Sessions:
Required Documents:
Please provide copies of the following documents with your pre-application (we do not accept originals):
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Most recent tax returns for household members 18 years old and older.
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Copy of last six pay stubs for household members 18 years old and older. If self-employed provide the last two-quarters of profit/loss statements. They must be consecutive.
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One credit report each for both the applicant and co-applicant (no more than 3 months old).