TOMS RIVER – For many people in Ocean County, hopes of owning a safe and affordable home can seem out of reach. But thanks to the work of Northern Ocean Habitat for Humanity, that dream can be a reality for some families in need.
The organization doesn’t just build houses; it builds a sense of pride. They offer a path to home ownership through a unique program that combines affordable mortgages with sweat equity from the families themselves. This “hand up, not a handout” approach fosters a sense of dignity and personal investment in homes people can call their own.
“We’re there to help those who want to help themselves and do better for their families,” explained Kristine Novakowski, Executive Director. “So, the people we help partner with us and help with the project in some way.”
For some, that translates into the labor of love involved in construction. Others may only be equipped to write letters expressing gratitude to donors.
Northern Ocean Habitat for Humanity built this home in Ocean County. (Photo courtesy Northern Ocean Habitat for Humanity)
Northern Ocean Habitat for Humanity broke ground for its 23rd new home recently in Manitou Park, Berkeley Township. This will be the seventh affordable home built in Berkeley by the organization, with another scheduled in the same area.
“Then, Mayor Carmen Amato (now Senator Amato) donated two parcels of land in Berkeley Township for our 23rd and 24th homes,” said Novakowski. “He also was instrumental in donating funds from Berkeley Township’s Affordable Housing Trust Fund. We received $250,000 and $300,000 to help fund the building of the affordable homes.”
The Affordable Housing Trust Fund is fueled by a surcharge on all developments in town; no tax dollars go into it.
The homeowner selected for this particular home embodies a message of transformation and empowerment. A single mother struggling with housing and making ends meet will soon trade her hefty $2,850 monthly rent for a mortgage payment almost a third of the cost.
“Habitat holds the mortgage with 0 percent interest,” Novakowski said. “It’s a 30-year mortgage serviced through Valley National Bank.”
With a mission statement focused on putting God’s love into action, Habitat for Humanity brings people together to build homes, communities, and hope. Their vision is a world where everyone has a decent place to live.
The organization conducts optional information sessions about its homeowners’ program. Completion of a 48-page application determines eligibility, and a lottery drawing determines selection. Information about the program can be found at northernoceanhabitat.org/.
Beyond Building Houses
“Most people know that Habitat builds houses,” added Bob Conway, Construction Director. “(President) Jimmy Carter didn’t start Habitat, but he was there early on to help promote it. But most affiliates aren’t involved in our other work.”
Northern Ocean Habitat for Humanity’s impact goes beyond new construction. Their critical home repair program helps low-income homeowners fix essential issues like leaky roofs and drafty windows, ensuring their homes are safe and comfortable.
Applicants undergo a thorough screening process to ensure eligibility, with a focus on addressing health and safety concerns rather than cosmetic issues. The program, born out of necessity in the aftermath of Superstorm Sandy, has since evolved into a vital resource for homeowners facing financial constraints.
Last month, the program celebrated its 400th Critical Home Repair to help a Brick couple make modifications to their home. John, an Air Force veteran, and his partner, Jennifer, both faced mobility challenges.
Kristine Novakowski, Executive Director, and Bob Conway, Construction Director, are enthusiastic about helping others. (Photo by Stephanie Faughnan)
To help them age comfortably and safely in their own home, Northern Ocean Habitat for Humanity mapped out critical modifications, including construction of a new back porch, a new front porch, and a ramp connecting the porch directly to the driveway. A tub to shower conversion also serves to make aging in place a reality for the couple.
This project also highlighted the organization’s commitment to fostering the next generation of builders and givers. The 400th repair included a partnership with Ocean County Vocational Technical School and created a valuable learning opportunity. Collaboration with groups like Central Regional High School’s Habitat for Humanity Club allow high school students to discover the power of giving back through construction skills.
Home repairs are not limited to brick-and-mortar construction projects. Mobile home owners are also eligible for assistance in ensuring their homes are habitable.
Various commercial businesses contribute to supplies for both homebuilding and repair projects.
The ReStore
Located at 1214 Route 37 in Toms River, Northern Ocean Habitat for Humanity ReStore is the organization’s backbone. Donations from the community are curated and sold at affordable prices, with proceeds directly funding the home repair program.
Over 500 shoppers flood through the doors on any given Saturday, drawn by the promise of unique finds and unbeatable prices. Closed Sundays and Mondays, ReStore has some bargain hunters traveling from Hoboken, Staten Island, and even Delaware to support a worthy cause.
The ReStore functions as a one-stop shop for those looking to furnish their summer homes at the shore. Others simply enjoy the thrill of the hunt, searching for that perfect piece of furniture or that hidden gem at a fraction of the retail price.
Selections range from brand-new items with tags still attached to gently used furniture and appliances. The key word here is “gently used” – Habitat maintains high standards, ensuring everything they sell is in good condition and free from rips, stains, pet dander, or smoke odors.
“We get some beautiful things,” said Marian Hodavance, Associate Director. “We want people to be able to come here and treasure hunt here and get what they need.”
Photo by Stephanie Faughnan
Hodavance acknowledged that many of the people who shop in the ReStore are interested in repurposing items they find on display.
“We’re going to start our DIYs again,” Hodavance shared. One artist comes in and does demonstrations.
The ReStore isn’t just a haven for bargain hunters; it’s also an advocate for sustainability. By offering high-quality, reusable items at affordable prices, the ReStore keeps tons of usable furniture out of landfills.
Northern Ocean Habitat for Humanity’s ReStore sells high quality second hand items. (Photo by Stephanie Faughnan)
Additionally, furniture used in drama productions at some Ocean County College comes from the ReStore.
The Faces Behind The Organization
Everyone involved with Habitat for Humanity comes with a story – and a spirit of giving. For example, Novakowski left behind a career in radio advertising sales to become involved in an organization she knew was helping others become better invested in their lives.
Habitat employs 25 individuals in various roles – with approximately 120 more devoting their time as volunteers.
One of the most well-known of Habitat’s volunteers was a gentleman named Dick Read, referred to as the foundation of the organization for 25 years. Read died on February 15, 2024 and left a strong legacy behind with the work he did to help families with their housing needs.
The late Dick Read volunteered countless hours in home construction. (Photo courtesy Northern Ocean Habitat for Humanity)
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