Essex County Land Bank is committed to the principle of equal housing opportunity. We do not discriminate based on race, color, religion, sex, disability, familial status, national origin, or any other protected class. All applicants will be treated fairly and consistently.
Eligibility Requirements
Please take note that there are a number of conditions when applying for these loans.
- Only applicants with household incomes below 200% of the Area Median Income (AMI) are eligible to apply.
- Applicants must commit to living in Essex County year-round.
- Preference is given to those who work in Essex County.
- Applicants must undergo HUD housing counseling.
Permanent deed restrictions apply
- The home must be sold to another income-qualified homebuyer if sold.
- The home cannot be rented.
- The Land Bank has the first right of buyback if the applicant decides to sell.
- The property must be maintained with an annual maintenance declaration.
Equal Housing Opportunity
Essex County Land Bank is committed to the principle of equal housing opportunity. We do not discriminate based on race, color, religion, sex, disability, familial status, national origin, or any other protected class. All applicants will be treated fairly and consistently.
Fair Housing Disclaimer
Essex County Land Bank abides by the Fair Housing Act and all applicable federal, state, and local fair housing laws. We are dedicated to ensuring that all individuals have equal access to housing opportunities. Discrimination based on race, color, religion, sex, national origin, familial status, disability, or any other protected characteristic is prohibited.