Morris Habitat for Humanity, founded in 1985 and now operating as Greater Middlesex & Morris Habitat for Humanity, builds affordable homes for low- and moderate-income families across several New Jersey counties. It runs a ReStore in Randolph. Here is how to qualify, what is involved, and how to help.
The affiliate builds decent, affordable homes for low- and moderate-income families and sells them with a 30-year affordable mortgage. The affiliate describes the mortgage as affordable without stating a specific interest rate.
| Requirement | Detail |
|---|---|
| Income | A minimum applicant income of $30,000, with total household income below the maximum guideline for the household size. |
| Credit | A clean credit history with a credit score of at least 600. |
| Debt | Total debt less than 40 percent of income. |
| Ability to pay | Able to afford utilities, taxes, insurance, maintenance, and the mortgage payment. |
| Residency | U.S. citizen or legal resident for those whose income is used to qualify. |
| Education | Required pre-purchase and post-purchase homebuyer education classes. |
The service area covers Morris, Middlesex, and parts of Somerset and Union counties after the affiliate's expansion.
Applying starts with a homeownership interest form on the affiliate's site, which leads to the qualifications and application steps. Selection follows the standard Habitat criteria of need, ability to pay, and willingness to partner.
Sweat equity is part of the partnership; the affiliate confirms the current requirement during the application.
Morris Habitat runs a ReStore at 274 S Salem Street in Randolph, selling discounted furniture and used appliances and raising money to build homes. Since 2007 the ReStore has helped fund dozens of homes and diverted thousands of tons of usable material from landfills.
Donating money, shopping or donating at the ReStore, and joining a build are the main ways to help.
Volunteers help build homes alongside future homeowners and support the ReStore, and you can sign up through the affiliate's site.
Founded in 1985, Morris Habitat is one of the larger Habitat affiliates in New Jersey and continues to expand its reach through the Greater Middlesex & Morris partnership.
Affordable homes for low- and moderate-income families.
A Randolph store funding homebuilding and diverting materials from landfills.
Required pre-purchase and post-purchase classes.
Future homeowners build alongside volunteers.
Build-site and ReStore volunteering.
Donated furniture and appliances accepted at the ReStore.
Sources: Morris Habitat for Humanity (morrishabitat.org) homeownership and qualifications pages and Habitat International affiliate listing. The mortgage interest rate and a specific sweat-equity hour count are not published on the pages reviewed. Retrieved June 2026. We are not affiliated with Morris Habitat for Humanity and receive no compensation for this listing. Spotted an error? [email protected]
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