Homeownership

Become a Habitat Homeowner!

More than 200 local families have realized their dream of owning a safe, decent and affordable home with Habitat’s homeownership program. Take the first step toward homeownership today by scheduling a pre-qualification appointment.

Apply Today

Eligibility Requirements

Please read the requirements and make sure you MEET ALL of them before contacting our office.

Must Live/Work in County

  • The applicant must live or work in the county that they are applying for housing.

Need for Housing

  • Unsafe or very poor conditions or located in a particularly unsafe area; Rent, or contribution currently paid towards rent, exceeds 35% of net income
  • Size in inadequate for the present or anticipated residents
  • Other facts demonstrating a need for the type of housing Habitat can provide, that goes beyond a personal desire to own a home.

Have the Ability to Pay

  • Stable income for at least one year and the ability to make monthly mortgage payments, but too low to secure conventional financing
  • Income between 30-60% of HUD’s area median income (see table).
  • Verification of earned income with a most recent Federal Income Tax Return and verification of all other income
  • Satisfactory housing expense and debt to income ratio
  • Legal right to work in the United States
  • A satisfactory credit history reflecting acceptance of responsibility for debt. All collection accounts and financial judgments paid in full. No Chapter 7 bankruptcy within three years or Chapter 13 within 18 months prior to applying
  • Ability to save $1000 for down payment
  • Proof of their ability to live financially independent for 18 months before the application is approved
  • Applicants must not be a registered sex offender and will be subject to a criminal background check

Willingness to Partner with Habitat

  • Be honest and cooperative with Habitat for Humanity of the NC Sandhills
  • Willing to complete a minimum of 300 “sweat equity” hours per adult (18 years or older) and 60 hours per teen (16-17 years of age)
  • Participate in 15 Homebuyer Education Program Workshops

If you meet all of the requirements listed, please contact our office at (910) 295-1934 to schedule an appointment.

Building Hope. Building Lives. One Family at a Time.