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 homeowner, usually for the first time.
Haywood Habitat for Humanity’s Board of Directors, based upon the recommendation of the Homeowner Selection Committee, chooses our Partner Homeowners. The decision is based on the following criteria:
-Residency: All applicants must be residents of North Carolina for a minimum of 12 months and living in Haywood County at date of application.
-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. 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
1. Attend a mandatory information session.2. Submit an application with all required documentation.3. Applications are reviewed by Habitat staff for the following at minimum: proof of income, credit status, criminal background check, and sexual offender registry check.3. A home visit will be scheduled by the Homeowner Selection Committee to meet your entire family.4. Following the home visit, applicants are sometimes required to attend a Homeowner Selection Committee meeting for a face-to-face interview.
5. The Board of Directors makes the final approval decision.5. Begin the sweat equity process.
Upcoming Mandatory Information Sessions
(all applicants are required to attend 1 session)
No information sessions are scheduled at this time. Announcement via e-mail, facebook, and local newspapers will be made when sessions are scheduled. The schedule will also be published here.
FAQ (Frequently Asked Questions)
-How much are the house payments?
House prices are affordable, and vary depending on size.
-How big are Habitat Houses?
Haywood Habitat builds homes according to family size. Our 3 bedroom houses are approximately 1000 square feet.
-Where does Haywood Habitat build?
We build on purchased or donated land in the towns of Canton, Clyde, and Waynesville, where city water and sewer is available. We do not build in rural areas of the county.
-What appliances come with the house?
Each house has a new refrigerator, range, dishwasher, clothes washer and dryer.
-What does “sweat equity” mean?
The term "sweat equity" refers to the physical effort that homeowners, their family, and friends contribute to the mission of Haywood Habitat for Humanity. As part of the path toward home ownership, homeowners must invest time into the building of their home and homes of other Habitat homeowners. 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.
-How long does it take to get a house?
The application process is 4-6 months. If you are approved for a house, it can take up to 1 year for the completion of your house. This time frame varies depending on construction schedules and family participation.
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)