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Do You Qualify?

Home Ownership

Do you qualify for a Habitat home?

Many people dream of home ownership. The positive impact of owning your own home is tremendous.  Finding affordable housing that is safe is a challenge for many homeowners.  Haywood Habitat for Humanity’s mission is to provide decent shelter for God’s people in need. Our program is not a giveaway program.

Each house we build is SOLD to our partners with an affordable mortgage.   Additionally, each homeowner is required to invest 300-400 hours of “sweat equity” into the construction of their home based on the number of applicants who are purchasing the home.  We sell the house at our cost so that normal monthly payments are kept affordable.  This gives people an opportunity to be a homeowner, usually for the first time.

Habitat Guidelines

All applicants must be a resident of Haywood County at the time of application and must have been a resident of North Carolina for a minimum of 12 months.  Applicants cannot be on the sexual offender registry.  A criminal background check is conducted for all applicants.

Haywood Habitat for Humanity’s Board of Directors, based upon the recommendation of the Homeowner Selection Committee, selects our Partner Homeowners.  The decision is based on the following criteria:

  • Need - Applicants must be unable to qualify for a conventional bank loan, and their current housing must be inadequate (unsafe, overcrowded, unsanitary, unaffordable, unsafe neighborhood, or inaccessible). As part of the application process, the Homeowner Selection Committee will conduct a home visit. 
     
  • Ability to Pay - Applicants must have a steady source of verifiable, legal income, and earn 60%-80%  of the county’s median income based on family size. (See current qualifying income guidelines below.)  The monthly mortgage payment cannot exceed 30% of the homeowner’s gross income, so as to not overburden the homeowner with a housing cost that exceeds their budget. 
     
  • Willingness to Partner - Applicants approved for homes must invest 400 hours of “sweat equity” in the construction of their home if there are two or more applicants that will be listed on the deed.  Households of one applicant who will be listed on the deed are required to invest 300 hours of "sweat equity" in the construction of their new home.  All applicants must attend Habitat homeownership education classes. 

Current Qualifying Income Guidelines

Family Size Annual Income Range Monthly Income Range
1 $22,425-$29,900 $1,869-$2,492
2 $25,613-$34,150 $2,134-$2,846
3 $28,800-$38,400 $2,400-$3,200
4 $31,988-$42,650 $2,666-$3,554
5 $34,575-$46,100 $2,881-$3,842
6 $37,125-$49,500 $3,094-$4,125
7 $39,675-$52,900 $3,306-$4,408
8 $42,225-$56,300 $3,519-$4,692

We Do Business in Accordance With the Federal Fair Housing Law
It is illegal to Discriminate Against Any Person Because of Race, Color, Religion, Sex, Handicap, Familial Status, or National Origin. Anyone who feels he or she has been discriminated against may file a compliant of housing discrimination:
1-800-669-9777 (Toll Free)
1-800-927-9275 (TTY)

Thank you to our generous sponsors

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