Owning a Habitat Home

Habitat for Humanity is a Christian Housing Ministry building affordable homes with those who qualify. New homes are sold with an interest-free mortgage for the costs to build the home. Our partner families contribute their own energy – known as “sweat equity” – into the building of their own home and the homes of others. The payments include taxes and insurance and average $400 per month for a three bedroom two bath home.

Will I qualify?

You may be eligible to purchase a Habitat home if you meet our four requirements:

Residency – You live in Brunswick County for at least one year. You must meet this requirement before you can apply.
Need – Your housing is at least one of the following:

	Overcrowded
	Poorly maintained
	Homeless
	Too expensive

Ability to Pay– To qualify, you must meet these guidelines:

	You have not declared bankruptcy in the past two years.
	You can show that you pay your rent and/or other bills on time.
	You have no judgments against you (you must pay off creditors before applying).
	You have a stable income that can be proven by pay stubs, letter or tax return.

And-

You have an income which falls within our guideline of at least 35% of the median family income for Brunswick County but not more than 65%. (See the table below.)

	1	2	3	4	5…	8
30%	11,400	13,000	14,650	16,250	18,500	21,450
60%	22,800	26,000	29,300	32,500	37,000	42,900
80%	30,350	34,700	39,000	43,350	46,850	57,250

Willingness to Partner

	You are willing to partner with Habitat for Humanity:
	Complete 300 hours for a single person,
	Or 500 hours for a couple;
	You will first work on other families’ homes before building your own;
	You must attend financial counseling and/or homeowner workshops;
	You will participate in Habitat events;
	You must complete the application steps;
	You must provide all information in an honest and timely manner;
	And demonstrate a strong commitment to Habitat’s goals.
	If you meet these guidelines, please complete and return the pre- application. Fill in both sides.

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