Become a Homeowner

Are you currently living in inadequate or substandard housing? By joining with Habitat, we can help you!

Apply
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We are proud to be expanding our opportunities for families to partner with Broome County Habitat for Humanity. Our program has a long, successful history in our community.

Family Partnership Program

​We build new and rehab homes with the end goal of helping families to secure an affordable mortgage loan to purchase. Families who partner with Broome County Habitat take classes on financial literacy, foreclosure prevention, homeownership and home basic maintenance.

We are currently accepting applications for 2021/2022.

The application can be found using the link below, emailed upon request or picked up at our 103 Adams Avenue Endicott office on Tuesdays, Wednesdays and Thursdays by appointment only.

Only completed applications will be considered.  Please include all requested information.

Once complete, they may be dropped off or mailed to our office.

Click here for the 2021-2022 Application.

To be considered for Broome County Habitat for Humanity's home ownership program (NOW SERVING TIOGA COUNTY), families must have lived in Broome County or Tioga for the previous twelve months and meet the following criteria:

1. Housing is unsafe or has critical inadequacies such as problems with the structure, heating, water or electrical systems.
2. They spend more than 30% of their income on rent and heat combined.
3. All or part of the family is living with someone else due to housing issues.
4. They are overcrowded. This includes:
   a. more than 2 children share a room
   b. children share a room with an adult
   c. children of the opposite sex share a room
   d. rooms other than bedrooms are used for sleeping

If selected, families become a partner with Habitat. Each family must:

1. Complete between 400-500 hours of volunteer work (sweat equity hours) on the construction of your home and the homes of Habitat families.
2. Attend workshops in which you will learn valuable financial and home maintenance skills to assist you in being a successful homeowner.
3. Make a down payment of $500 and be prepared to pay for closing costs of approximately $2500.

Since selected families will be purchasing this house from Habitat, they will be paying a monthly mortgage which includes real estate taxes and homeowner's insurance. Therefore, regardless of your household size each family must:

1. Each applicant, regardless of family size must have a steady and verifiable monthly income of at least $2,230 or an annual income of at least $26,760. (Maximum amounts see chart below.)
2. Be willing to let Habitat verify all income sources and check their credit report.
3. Have income that does not fall below 40% or exceed 60% of the median family income for Broome or Tioga Counties.
4. Qualify for a mortgage loan. 

Families with income under or above the amounts in the chart below are not eligible for Habitat's FAMILY PARTNERSHIP program (Use the guidelines for the county from which you are applying.)
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For reference, here is a table listing the maximum monthly income per family.*

BROOME AND TIOGA COUNTY 2019 HUD INCOME GUIDLINES​

*Note that these numbers are approximations and are subject to change.
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If you meet these criteria, we encourage you to contact us and be placed on the notification list.

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