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
- 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.