Homeownership Program
Simple. Decent. Affordable.

Have you ever dreamed of owning your own home in a decent neighborhood?

If so, Habitat for Humanity of Greater Portland may be able to help you

achieve your dream. 

Habitat for Humanity of Greater Portland is non-profit ecumenical housing

organization dedicated  to  providing simple, decent and affordable housing for

qualified families in Cumberland County.

Eligibility Requirements: Live and/or work in Cumberland County and have

done so for at least one year. You must be able to afford a monthly housing

payment of at least $750. And most importantly be willing to volunteer with

Habitat to build houses.

Habitat for Humanity of Greater Portland does not discriminate on the basis of race, color, religion, sex, sexual orientation, national origin, ancestry, age, physical or mental disability, or familial status.

Institute for Financial Literacy

Partner since 2006

Habitat for Humanity of Greater Portland and the Institute for

Financial Literacy have formed a partnership in which the Institute

provides counseling and education sessions to Habitat prospective

and existing homeowners.

The Institute provides financial literacy education courses to prospective

Habitat homeowners. This education provides them with the basic financial

management skills necessary for successful homeownership.

Pre-closing counseling sessions provide support and information for

prospective Habitat homeowners about to take possession of their home.

The session consists of constructing a balanced monthly budget based

on projections for the additional costs of homeownership and discussing

the importance of monitoring cash flow on a monthly basis. Potential cash

flow problems are identified, and a final recommendation is provided to

both the prospective Habitat homeowners and Habitat prior to closing

on the home.

After the Habitat homeowners has closed on the home, a post-closing

counseling session is conducted based on the homeowner’s actual expenses.

Occasionally the Institute also provides delinquency counseling sessions to

existing Habitat homeowner’s who are experiencing difficulty in paying their

mortgage. The focus of these delinquency counseling sessions is reviewing

the homeowner’s budget and assisting the homeowner in evaluating their

spending habits. In most cases the delinquency counseling sessions have

positive results and the homeowner’s are able to get back on track.

P.O. Box 1842

Portland, ME 04104

Phone: 207-879-0389

Fax: 207-221-3691