Housing Programs
Home Repair & Aging in Place

Ramps & Rails

The Ramps & Rails program aids elderly and disabled individuals by working with them to design and build a ramp that fits their home. Our volunteers design and build each ramp to enable our partner families to maintain their independence.

A Brush with Kindness

A Brush with Kindness is a nation-wide effort to serve low-income homeowners who struggle to maintain the exterior of their homes through a preservation program that offers painting, landscaping and minor repair services to eligible homeowners so they can continue to live in safe, decent homes for years to come. Projects include painting, landscaping, and minor repair services.

How does it work?

Using volunteers and donated materials to make repairs affordable, Habitat helps low-income homeowners continue to live independently and securely in their homes. ABWK focuses on exterior home repair services such as minor exterior repairs, landscaping, and exterior clean-up. Ramps & Rails supports elderly and disabled homeowners to achieve and sustain their independence.

These programs allow us to serve a different population than we currently serve, yet follows the same basic tenets for eligibility (need, ability to pay, willingness to partner).

Ramps & Rails and ABWK serve as companions to our core building program, enabling us to serve more families, expand our exposure within the community, increase opportunities for volunteers and develop our base of sponsors. These programs revitalize the appearance of neighborhoods, strengthen connections within the community, and help preserve and create affordable housing stock.

Our programs serve low-income homeowners who struggle to maintain the exterior of their homes and provide caring volunteer groups who are willing to come alongside and assist homeowners in completing the necessary work. Able-bodied homeowners work side by side with volunteers in a cooperative effort. This kind of homeowner-by-homeowner approach translates into stronger neighborhoods and communities.

If you have any questions, please contact us at mherring@habitatmonmouth.org (732) 728-0441 ext. 311

Home Repair

What is it?

Through our Critical Home Repair Program we assist homeowners with roof repair, floor repair, and other health and safety home repairs. Critical Home Repair is NOT an emergency repair program; there can be a months-long waiting period for repair work to be done.


  • No interest will be charged
  • A Deed Restriction will be required for projects over $1,000. The Deed Restriction will have a retention period of 5 years forgiven on a pro rata basis.

Eligibility criteria:

  • You must own the home where the repairs are to be made.
  • You must occupy the home as your primary residence.
  • You (or a member of your household) must have a need that makes the requested repairs necessary.
  • Your household income must fall between 20%-60% of A.M.F.I. (Area Median Family Income).
  • Those receiving Home Repair services must be present during the duration of the repair work. Any able-bodied household members must help during the project (where applicable). Other friends and family (not in the household) are also encouraged to participate.
  • Applicant must demonstrate willingness and ability to pay for project cost based on a sliding scale. (These criteria are subject to change)

Are you Eligible for Assistance?

If you can answer “Yes” to all the following questions, please contact Marianne Herring at mherring@habitatmonmouth.org or 732-728-0441 ext. 311. 

  1. Do you live within our service area of Aberdeen, Allentown, Atlantic Highlands, Colts Neck, Deal, Eatontown, Englishtown, Freehold, Hazlet, Highlands, Holmdel, Howell, Keansburg, Keyport, Little Silver, Long Branch, Manalapan, Marlboro, Matawan, Middletown, Millstone, Monmouth Beach, Morganville, Oceanport, Ocean Township, Red Bank, Rumson, Sea Bright, Shrewsbury, Tinton Falls, Union Beach, Upper Freehold, or West Long Branch?
  2. Do you own your home or have a mortgage on the property?
  3. Is it your primary residence?
  4. Do you fall in the following income guidelines


What paperwork is required for the application?

An application and documents to verify income and homeownership are required. The application can be downloaded here.

Why do we need this paperwork?

In order to verify you are eligible for assistance. In some cases we are able to provide additional assistance based on the information provided and home inspection.

How long does the application process take?

Each application and its supporting documents are reviewed by our committee. Notification can take up to 3 weeks.

How will I be notified whether or not I am eligible and chosen to receive assistance?

Someone from our committee will contact you with the status of your application.

Will I have to pay?

Homeowner financial responsibility is calculated on an individual basis. Homeowners may be responsible for some of the cost of materials needed, but generally no more than 10% to 40% of the total, based on the homeowner’s ability to pay.