Are you seeking the strength, stability and self-reliance of homeownership but finding it out of reach?

• You are unable to qualify for conventional mortgage financing for a market rate home and
• You have a household income under 60% of the Area Median Income adjusted for family size and
• You are a first-time home buyer and
• Your assets are below $75,000

Are you willing to partner with Habitat?

• You are willing to complete the required "sweat equity" on your home and other Habitat projects (500 hours for a two-adult household or 250 hours for a one adult household)
• You understand a typical home takes 10 to 15 months to complete

Are you able to pay an affordable mortgage?

• You are able to make monthly housing payments of approximately $850 to $1,650 and
• You have an annual household income of at least $36,000 and
• You are not overly burdened with debt and have "good enough" credit

Are you in critical need of affordable housing?

• Your current living situation is poorly built, damaged, unaffordable, unsafe or overcrowded

3. Area Medium Income: Compare your household size and income range, to the appropriate area median income table.

Household Size	Minimum Income Required	Maximum Income Allowed (60% Area Median Income)
1	$36,000	$55,238
2	$36,000	$63,150
3	$36,000	$71,025
4	$36,000	$78,900
5	$36,000	$85,238
6	$36,000	$91,538

The above table shows the minimum and maximum gross, current and anticipated annual income your household may earn, and be eligible for consideration for a home in our program.

Franklin Hampshire Habitat for Humanity does not discriminate in the selection of applicants. Franklin Hampshire Habitat for Humanity is a not-for profit organization and we do business in accordance with Federal and Massachusetts Fair Lending Laws.

• You will be building your own home alongside community volunteers!
• Construction typically takes 10-15 months from the date of wall raising. During this period, you will be usually be dedicating at least one day per week to building your home.
• You will also need to attend pre-purchase education courses.
• The sweat equity requirement is 250 hours per adult in your household, with a maximum of 500 hours.
• Friends and other family members of the home buyer may contribute some sweat equity hours.
• Your sweat equity requirement must be completed before you can purchase your home.
• You will be assigned a volunteer to mentor and support you during the construction period and the first year of homeownership.

• To keep our homes affordable, we rely on cash donations, grants, land donations, volunteerism, and gifts of materials and professional services.
• Purchasers will need to qualify for an affordable mortgage for these Habitat homes.
• The United States Department of Agriculture or another third party may be the lender.
• Habitat homes are deed restricted to continue as affordable homes in perpetuity.
• We will inform you before closing of any additional funding restrictions or liens.

• Your complete application will be evaluated for your financial eligibility. If it receives a preliminary approval, it moves to a family interview.
• You will then be contacted for an appointment with two Habitat volunteers who will visit your family in your home or schedule a virtual interview on Zoom. These volunteers will talk with you to answer questions and to review your application with you.
• After your interview, there will be a final review of your application. If qualified, your application number is entered into a drawing / lottery. Successful applicants and other finalists will be notified after the drawing / lottery.
• If your application is rejected at any step in the above process, you will be notified in writing.

• Habitat does not build custom homes. Franklin Hampshire Habitat for Humanity will be the general contractor and make all construction decisions.
• A combination of volunteer labor and paid labor will go into the construction of your home.
• Because we cannot accurately project an occupancy date, we urge applicants to maintain the best housing circumstances possible until their new home is ready.

• Franklin Hampshire Habitat for Humanity is a non-profit organization building strength, stability and self-reliance for families with low incomes in Hampshire and Franklin counties in western Massachusetts.
• Homes are built in partnership with families who have a need for decent, affordable housing and do not have the financial means to build or purchase a market rate home through conventional financing.

Summer 2026 Franklin Hampshire Habitat for Humanity Application - Equal Housing Opportunity
https://fhhabitat.org/apply - 413-517-8326 - apply@fhhabitat.org - Page 2 of 20

If you purchase a home from Habitat you will become a homeowner and will be responsible for all home maintenance costs, taxes, insurance and other liabilities. Homeownership costs typically include things like:

1. A monthly mortgage loan payment*
2. Property taxes*
3. Homeowners Insurance*
4. Condominium fees (if applicable)*
5. Water and sewer bills
6. Electricity (for heat, cooling, lights and all other appliances and plug loads)
7. Phone, cable, internet if desired
8. Maintenance of the home
9. Snow removal and landscaping

*Primary housing costs not to exceed 30% of household gross income at time of purchase

Franklin Hampshire Habitat for Humanity commits, if you partner in our program, to sell you a home where your primary housing costs (mortgage, taxes, insurance and condo fees) do not exceed 30% of your gross income at the time you buy your house. Depending on your income, your housing costs at time of purchase may be $850 to $1,650 a month.

Your expenses can change over time and there is no ongoing subsidy to keep your primary housing costs below 30% of your income.

Carefully consider the extra obligations of homeownership to make repairs and pay for additional bills like water and sewer that are typically included in rent.

You will need to make a down payment of $1,000, paid in monthly installments of $100 during construction. Habitat will pay reasonable closing costs, but Habitat will not pay for homeowner's insurance. You will be required to shop and pre-pay for a year of homeowner's insurance before closing (typically $750 to $1,500/year).

Applicants are strongly encouraged to attend one applicant information meeting/workshop:

In person workshop:

• Wednesday July 1, 2026 at 5:30pm
  Pelham Public Library, Community Room
  2 South Valley Road, Pelham, MA 01002

Virtual workshops, using Zoom on your phone or computer. Sign up at https://fhhabitat.org/apply.

• Saturday July 11, 2026 at 10am
• Monday July 27, 2026 at 7pm

Summer 2026 Franklin Hampshire Habitat for Humanity Application - Equal Housing Opportunity
https://fhhabitat.org/apply - 413-517-8326 - apply@fhhabitat.org - Page 3 of 20

Applications may be completed online or on paper.
If you have questions or need help applying, please email apply@fhhabitat.org or call 413-517-8326.

• Go to https://fhhabitat.org/apply and complete your application and upload supporting documents using Jotform (you're here now!)
• You can choose to "save and continue" later, but make sure the form is submitted before the deadline.

Paper applications may be obtained by:

• Downloading the application from the Habitat website https://fhhabitat.org/apply and printing
• Visiting the Habitat for Humanity office at 221 Pine Street, Room 159, in Florence, MA. Applications are available in the hallway even if the office is closed.
• Visiting the Pelham Public Library: 2 South Valley Rd, Pelham, MA
• Visiting Pelham Town Hall: 351 Amherst Rd, Pelham, MA
• Attending an information session in person and picking up a paper copy
• Calling or emailing to request an application be mailed or emailed to you: 413-517-8326 (Habitat office) or apply@fhhabitat.org 

Submit your completed application and copies of documents:

• Mail your application to FH Habitat, PO Box 60642, Florence, MA 01062.
• Drop off your application in our office lock box at 221 Pine Street, Room 159, in Florence, MA (do not mail to this address)
  • Go to the Main (east) entrance and walk straight back to the end of the hall - our door and dropbox are next to the stairs

Upload supporting documents saved on your phone or computer securely at https://fhhabitat.leapfile.net 

• Choose "Secure Upload"
• Enter apply@fhhabitat.org as the Recipient Email
• Enter your contact information and a note
• On the secure upload page, select all the files you need to upload, and click "upload & send"

The completed application packet must be received in the Habitat Office, uploaded or postmarked on or before TUESDAY AUGUST 4^TH, 2026 for your application to move forward. A mailed application must be received no later than 5 business days after the postmark. Applications may NOT be submitted by fax or email.

Don't have everything ready by the deadline? The application deadline is firm, but incomplete applications will be accepted. Submit what you can by the deadline to ensure your application receives an initial review.

Please try and submit as complete an application as soon as possible to assist in a timely review process. If your application is incomplete, you will receive a follow up notification requesting the missing information with a deadline for sending in the remaining items.

Summer 2026 Franklin Hampshire Habitat for Humanity Application - Equal Housing Opportunity
https://fhhabitat.org/apply - 413-517-8326 - apply@fhhabitat.org - Page 4 of 20

Rendering by Kuhn Riddle Architects

Franklin Hampshire Habitat for Humanity will be building two single family homes on Cadwell Street in Pelham: a single-story 2-bedroom home that will be adaptable for homebuyers with mobility impairments and a two-story 3-bedroom home.

Located in the Pelham village center, walking distance the Pelham Public Library and local elementary school. Pelham is a rural community just a few miles down the road from the town of Amherst. PVTA buses run on a limited schedule to the Community Center building within walking distance.

Habitat homes are modest and simple with small square footages. The home will be energy efficient and built to ENERGY STAR standards. The home will be all electric and heated with an Air Source Heat Pump. Outdoor storage in an attached shed will be provided. The home will be built on a slab - so there will be no basement storage. There will also be no attic storage since the attic will be reserved for insulation. Basic appliances will be provided with the house. There will not be a garage.

Note: Renderings and floor plans are not a promise of specific house design features but an approximation of plans for this project. Habitat retains the right to change plans at their discretion.

Summer 2026 Franklin Hampshire Habitat for Humanity Application - Equal Housing Opportunity
https://fhhabitat.org/apply - 413-517-8326 - apply@fhhabitat.org - Page 5 of 20

Applications are available starting MONDAY JUNE 1, 2026.

The application deadline is Tuesday AUGUST 4, 2026.

I am submitting my application for the Cadwell Street Pelham project and would like to be entered in the lottery if eligible for the following homes:

Does someone in your household have a disability that restricts their mobility for which a one-story home would be a reasonable accommodation? For example, a medical condition that requires the use of a wheelchair.

Summer 2026 Franklin Hampshire Habitat for Humanity Application - Equal Housing Opportunity
https://fhhabitat.org/apply - 413-517-8326 - apply@fhhabitat.org - Page 6 of 20

Include the names of any child or adults (other than the applicant(s)) who will live in your Habitat Home as their principal residence:

If yes, please supply documentation of their full-time student status. Up-to-date receipts of payment of registration or a letter provided by the high school or college are examples. Add another page, if needed, to write details.

Summer 2026 Franklin Hampshire Habitat for Humanity Application - Equal Housing Opportunity
https://fhhabitat.org/apply - 413-517-8326 - apply@fhhabitat.org - Page 7 of 20

Please include income from ALL household members age 18 or older (even if they are temporarily away) who receive income. Add another page, if needed, to write details. If employed for less than two years at your primary job, add details of previous employment on a separate page to be scanned with your documents. If you are still employed, please leave the end date blank.

Summer 2026 Franklin Hampshire Habitat for Humanity Application - Equal Housing Opportunity
https://fhhabitat.org/apply - 413-517-8326 - apply@fhhabitat.org - Page 8 of 20

Indicate monthly income of any sources that applies to your household (for example: TAFDC, EAEDC, Worker's Compensation, Veteran's Benefits, Investment Income, or other income (please specify).

I/We currently receive the following types and amounts of monthly assistance:

If you have lived at your current address less than two years, list previous landlord info:

Summer 2026 Franklin Hampshire Habitat for Humanity Application - Equal Housing Opportunity
https://fhhabitat.org/apply - 413-517-8326 - apply@fhhabitat.org - Page 9 of 20

Enter dollar amount for every item OR enter a "0" if item does not apply to applicant/co-applicant. Please complete every item.

Please check the box that best answers the questions for both applicant and co-applicant:

A. Are there any outstanding judgments because of a court decision against you?

B. Have you declared bankruptcy within the past seven years?

C. Have you had any property foreclosed upon on in the past 7 years?

D. Are you party to a lawsuit in which you may have personal financial liability?

E. Have you conveyed title to any property in lieu of foreclosure or completed a pre-foreclosure sale or short sale (where the lender agreed to accept less than the outstanding mortgage balance due) within the past seven years?

F. Are you currently delinquent or in default on any federal debt or any other loan, mortgage financial obligation or loan guarantee?

G. Are you a co-signer or guarantor on any debt of loan that is not disclosed on this application?

Answering "YES" to any of the above questions DOES NOT automatically disqualify you. If you answered "YES" to any question, however, please explain in a separate attachment or below.

Summer 2026 Franklin Hampshire Habitat for Humanity Application - Equal Housing Opportunity
https://fhhabitat.org/apply - 413-517-8326 - apply@fhhabitat.org - Page 10 of 20

List all checking / savings / CD / IRA / or 401k accounts / savings bonds / investment / stock, etc. for all household members, including minor children. Use another page if necessary. Your application should include all open accounts that are listed on your credit report.

List other assets and approximate value (make and year of cars, boats, other high-value personal property, etc.)

List ALL debts below for applicants. "Debt" means any money that you owe to someone else: credit card charges, retail store credit charges, car loan, personal loan, student loan, charge-offs. Include any open credit cards, even if you pay them off every month. Use another document or the box below for additional debt accounts or to explain debt that is in arrears or has a payment plan.

The above is a complete and true representation of all household assets, debts, credit, and complete information as requested.

Summer 2026 Franklin Hampshire Habitat for Humanity Application - Equal Housing Opportunity
https://fhhabitat.org/apply - 413-517-8326 - apply@fhhabitat.org - Page 11 of 20

Sweat Equity/ Partnership Question: Our sweat equity requirement is rigorous! Habitat homebuyers are required to work 250 hours each on building the home, with a maximum of 500 hours per household. You would not be allowed to move into the home until the hours are completed. This requires approximately eight hours a week on a Habitat construction site during the months that the home is being built. Some weeks there will also be a required meeting or home ownership preparation workshop to attend. Some weeks there will be no sweat equity opportunities available due to weather or subcontractor delays, and you will need to plan to make up time another week. You do not need to be experienced in construction. We train and guide you in your sweat equity as you work side-by-side with other volunteers.

Summer 2026 Franklin Hampshire Habitat for Humanity Application - Equal Housing Opportunity
https://fhhabitat.org/apply - 413-517-8326 - apply@fhhabitat.org - Page 12 of 20

I understand that by filing this application, I am authorizing Habitat for Humanity to evaluate my need for the Habitat homeownership program, my ability to repay an affordable loan and other expenses of homeownership, and my willingness to be a partner through sweat equity and otherwise according to Habitat for Humanity policy.

I understand that the evaluation will include personal visits, a credit check and employment verification (if applicable). I have answered all the questions on this application truthfully and accurately, and if any of the information provided changes after I submit this application, I will supplement this application, as applicable. I understand that if I have not answered the questions truthfully, accurately or completely, or fail to supplement this application as necessary to maintain its accuracy and completeness, my application may be denied, and that even if I have already been selected to receive a Habitat home, I may be disqualified from the program and forfeit any rights or claims to a Habitat home. The original or a copy of this application will be retained by Habitat for Humanity even if the application is not approved.

If this application is created as (or converted into) an "electronic application," I consent to the use of "electronic records" and "electronic signatures" as the terms are defined in and governed by applicable federal and/or state electronic transaction laws. I intend to sign and have signed this application either using my: (a) electronic signature or (b) a written signature and agree that if a paper version of this application is converted into an electronic application, the application will be an electronic record, and the representation of my written signature on this application will be my binding electronic signature.

I also understand that Habitat for Humanity screens all applicants on the sex offender registry. By completing this application, I am submitting myself to such an inquiry. I further understand that by completing this application, I am submitting myself to a criminal background check.

I have received the full application package with important disclosures about the Habitat for Humanity program including a copy of our privacy policy.

Applicants, and other adults residing in the home, must sign below to show agreement with above paragraph. This is required for your application to be considered.

If you are approved for a Habitat home, print below how your name should appear on legal documents:

Summer 2026 Franklin Hampshire Habitat for Humanity Application - Equal Housing Opportunity
https://fhhabitat.org/apply - 413-517-8326 - apply@fhhabitat.org - Page 13 of 20

The purpose of collecting this information is to help ensure that all applicants are being treated fairly, that the housing needs of communities and neighborhoods are being fulfilled, and to otherwise evaluate our programs and report to our funders. For residential mortgage lending, Federal law requires that we ask applicants for their demographic information (ethnicity, sex and race) in order to monitor our compliance with equal credit opportunity, fair housing and home mortgage disclosure laws. You are not required to provide this information but are encouraged to do so. You may select one or more designations for "Ethnicity" and one or more designations for "Race."

The law provides that we may not discriminate on the basis of this information or on whether you choose to provide it. However, if you choose not to provide the information and you have made this application in person, federal regulations require us to note your ethnicity, sex and race on the basis of visual observation or surname. The law also provides that we may not discriminate on the basis of age or marital status information you provide in this application. If you do not wish to provide some or all of this information, please check below.

Summer 2026 Franklin Hampshire Habitat for Humanity Application - Equal Housing Opportunity
https://fhhabitat.org/apply - 413-517-8326 - apply@fhhabitat.org - Page 14 of 20

The Federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status or age (provided the applicant has the capacity to enter into a binding contract); because all or part of the applicant's income derives from any public assistance program; or because the applicant has in good faith exercised any right under the Consumer Credit Protection Act. The federal agency that monitors compliance with this law concerning this company is the Federal Trade Commission, with offices at:

• FTC Regional Office for the Northeast region, Consumer Response Center,
  Federal Trade Commission 600 Pennsylvania Ave., NW Washington DC 20580 or
• Federal Trade Commission, Equal Credit Opportunity, Washington, DC 20580.

You need not disclose income from alimony, child support or separate maintenance payment if you choose not to do so. However, because we operate a Special Purpose Credit Program, we may request and require, in order to determine an applicant's eligibility for the program and the affordable mortgage amount, information regarding the applicant's marital status; alimony, child support and separate maintenance income; and the spouse's financial resources. Accordingly, if you receive income from these sources and do not provide this information with your application, your application will be considered incomplete, and we will be unable to invite you to participate in the Habitat program.

Summer 2026 Franklin Hampshire Habitat for Humanity Application - Equal Housing Opportunity
https://fhhabitat.org/apply - 413-517-8326 - apply@fhhabitat.org - Page 15 of 20

This home will be sold with a deed rider that preserves it as an affordable home in the future. This rider will limit the sales price of the house in the future so that it will be affordable again to an income eligible household. The rider will also require the home to be used as your primary residence. Renting of the home is not allowed; any refinancing or capital improvements will need the approval of the Town, Habitat and The Executive Office of Housing and Livable Communities (EOHLC). A copy of the deed rider may be reviewed at: https://www.mass.gov/files/documents/2017/10/16/lipdeedrider_0.pdf. A summary will be provided to successful home buyers.

We require all applicants selected in the Habitat lottery to apply for a mortgage. Once the new home buyer has entered into an agreement to purchase their home, they must utilize a mortgage program from a third-party lender, the USDA (United States Department of Agriculture 502 low-interest mortgage) or Franklin Hampshire Habitat for Humanity.

Franklin Hampshire Habitat for Humanity sometimes gets grants to help pay for the construction of your home. These grants may have additional requirements such as tracking energy use, a performance mortgage or a requirement that the home be sold only to income eligible households. We will inform you before closing of any funding restrictions.

Franklin Hampshire Habitat for Humanity does not discriminate in the selection of applicants on the basis of race, color, national origin, disability, ancestry, children, familial status, genetic information, marital status, public assistance recipiency, religion, sex, sexual orientation, gender identity, veteran/military status, or any other basis prohibited by law.

Individuals who have a financial interest in the development and their families shall not be eligible.

is enclosed in this packet.

If you are selected to purchase a home, we may order an appraisal to determine the property's value. We will promptly give you a copy of any appraisal, even if your loan does not close. You can pay for an additional appraisal for your own use at your own cost.

There are certain preferences in the final lottery of eligible candidates:

1. Households with a disability who need units with accessible or adaptable features, i.e. a one-story home for a household that includes a person with a mobility impairment requiring one-story living as a reasonable accommodation.
2. Households that need the number of bedrooms offered.

Persons with disabilities have the right to request a reasonable accommodation related to the home, or to some aspect of the Habitat process. Please see the "Living Situation" section of the Application, asking if a modification will be needed to the home, and the Sweat Equity Form, where we ask about restrictions to your participation and what you will be able to do. You must document that you/a household member has a disability, and the relevant restrictions for the accommodations you are requesting.

Summer 2026 Franklin Hampshire Habitat for Humanity Application - Equal Housing Opportunity
https://fhhabitat.org/apply - 413-517-8326 - apply@fhhabitat.org - Page 16 of 20

To qualify you must be a "first time homebuyer." However, there are several important EXCEPTIONS. If any of these exceptions describe YOUR situation, you may still be considered a qualified "first time home buyer" for the purposes of this application.

First time homebuyer means: The household shall not have owned a home within three years preceding the application.

Exceptions to this rule include:

1. Displaced homemakers, where the displaced homemaker (an adult who has not worked full-time, full-year in the labor force for a number of years but has, during such years, worked primarily without remuneration to care for the home and family), while a homemaker, owned a home with his or her partner or resided in a home owned by the partner.
2. Single parents, where the individual owned a home with his or her partner or resided in a home owned by the partner and is a single parent (is unmarried or legally separated from a spouse and either has one or more children of whom the individual has custody or joint custody, or is pregnant).
3. Households where at least one household member is 55 or over.
4. Households that owned a principal residence not permanently affixed to a permanent foundation in accordance with applicable regulations; and households that owned a property that was not in compliance with state, local or model building codes and that cannot be brought into compliance for less than the cost of constructing a permanent structure.

Please note: Even if you qualify for the exception, your previously owned home must be sold before you apply.

INCOME

• All income of all adults 18 or older who are members of the household to live in the Habitat home (even if temporarily away) must be reported.
• Most of the income of full-time students over 18, other than head of household or spouse, will be disregarded for eligibility purposes as long as their student status is documented (but it still must be reported and documented).
• Adult household members with zero income must sign a certification of zero income.
• There are very few sources of income that are not counted as income. You should report all income. If you have a question whether a source should be counted, list and document it, and put that question in your cover note. (Examples may include certain one-time payments, or compensation specifically for medical expenses)
• Franklin Hampshire Habitat for Humanity uses the standards of HUD 24 CFR 24 5.609 and LIP guidelines in considering what income to count, and the required methodology of the Federal Home Loan Bank of Boston Affordable Housing Program.

ASSETS

• All assets of all household members, including minor children, should be listed in the application with their value, and documented.
• There is a $75,000 asset limitation to qualify as an affordable home ownership applicant under the Executive Office of Housing and Livable Communities (EOHLC) Ch. 40B program (which governs the homes you are applying for with Habitat).
• Habitat's reference for what assets shall be considered is HUD Handbook (6/07) Exhibit 5-2: Assets. Common assets are cash (including the cash from lump sum payments, even if not counted as income) held in bank accounts or in other ways, revocable trusts, rental or capital investment income, stocks, bonds, treasury bills, C.D.s, retirement accounts, if the holder has access to the funds (even with a penalty), face value of whole (not term) life insurance, and others.
• Excluded from the limit is certain personal property (such as car, furniture, wedding ring, and other) that is not held as an investment, and assets (other than owned rental property) that is part of an active business.
• All assets should be reported. The Habitat's credit reviewers will reference the referenced standards if this may make a difference in an applicant's eligibility for our program.

Summer 2026 Franklin Hampshire Habitat for Humanity Application - Equal Housing Opportunity
https://fhhabitat.org/apply - 413-517-8326 - apply@fhhabitat.org - Page 17 of 20

At Franklin Hampshire Habitat for Humanity, we are committed to keeping your information private. We recognize the importance applicants, program families, tenants, and homeowners place on the privacy and confidentiality of their information. While new technologies allow us to more efficiently serve our customers, we are committed to maintaining privacy standards that are synonymous with our established and trusted name.

We collect nonpublic personal information about you from the following sources:

• Information we receive from you on applications or other forms;
• Information about your transactions with us or others; and
• Information we receive from a consumer reporting agency.

Franklin Hampshire Habitat for Humanity employees and volunteers are subject to a written policy regarding confidentiality, and access to applicant data is restricted to staff and volunteers on an as-needed basis. When collecting, storing, and retrieving applicant, program family, and homeowner data such as tax returns, pay stubs, credit reports, employment verifications and payment history internal controls are maintained throughout the process to ensure security and confidentiality.

We may disclose nonpublic personal information about you to the following types of third parties, only as necessary to effect, administer or enforce a transaction for you:

• Financial service providers, such as mortgage servicing agents;
• Nonprofit organizations, government entities, or other subsidy providers.

We may disclose the following kinds of nonpublic personal information about you may be shared only with the above third parties:

• Information we receive from you on applications or other forms, such as your name, address, social security number, assets and income;
• Information about your transactions with us or others such as your loan balance and payment history; and
• Information we receive from a consumer reporting agency such as your creditworthiness and credit history.

Your information is never shared with non-affiliated third parties for any other purpose.

Summer 2026 Franklin Hampshire Habitat for Humanity Application - Equal Housing Opportunity
https://fhhabitat.org/apply - 413-517-8326 - apply@fhhabitat.org - Page 18 of 20

The following materials are required to complete your application for a Habitat home. Incomplete and / or late applications will not move forward. Please complete this checklist. Keep it. Keep copies the application. Do NOT send original documents – only copies. Your application and supporting docs will NOT be returned.

• Note: We require Federal IRS returns only – NOT your MA or other state returns
• Even though you signed the tax return when it was filed, you need to sign it again if you submit paper copies.
• If you do not have copies of your tax returns, you should immediately take steps to request them. We need a copy of the actual tax return. To receive official IRS printouts of Income Tax Returns: Call 1-800-829-1040 or contact your local IRS office.
• If you are still waiting for a copy, enclose a note stating the returns you have requested of the IRS and on what date you made your request.
• If you did NOT file an IRS return for any of these years, enclose a signed letter explaining why you did not have a legal obligation to file a tax return for that year.

• Provide the most recent official documentation (i.e. court orders, award letter, not bank statement) for all non-employment sources of income (this should correspond to those checked on the income page of the application).
• If benefits or compensation are temporary, please indicate the date the income will stop. If expected child support is not being received, provide official documentation of what you are actually receiving. We also need official documentation of custody arrangements if children living in the home have parents living elsewhere.

Summer 2026 Franklin Hampshire Habitat for Humanity Application - Equal Housing Opportunity
https://fhhabitat.org/apply - 413-517-8326 - apply@fhhabitat.org - Page 19 of 20

• Often credit reports contain errors that need to be corrected by the consumer. If you have recently resolved a debt or credit problem, or corrected a mistake on your report, please include an explanation of these recent changes, along with any documentation available, with your application.
• Depending on how recently you have resolved a problem, it is very possible this updated information would not appear on your credit report. If you discover past debts on your credit report that you have not paid and are not now paying, please make arrangements to address them, and include with your application, the documents of your efforts to do that.
• Habitat will obtain its own copy of your credit report. Do NOT supply a credit report with your application.

Summer 2026 Franklin Hampshire Habitat for Humanity Application - Equal Housing Opportunity
https://fhhabitat.org/apply - 413-517-8326 - apply@fhhabitat.org - Page 20 of 20