Housing Eligibility

• I do not currently own a home.
• I have reviewed the current housing need requirements and understand I must demonstrate a need for affordable housing.

 

Income Requirements

• My household income is at least $45,000 annually.
• My household income falls within Habitat Charlotte Region’s current income guidelines.

Review current income charts:

• Mecklenburg/Gaston AMI Chart
• Iredell AMI Chart

 

Financial Readiness

• I understand Habitat reviews employment history, debt obligations, credit utilization, and overall financial readiness.
• I understand delinquent debt, recent bankruptcy filings, excessive debt, or other financial barriers may impact eligibility.
• I will be asked to upload my two most recent paystubs so Habitat can verify the income information I provide.

 

Program Expectations

• I understand that Pathway Education comes before a mortgage application and that the homebuyer journey typically takes 12–24 months.
• I understand that Habitat homeownership includes volunteer service, education, and community engagement requirements.

 

Important Acknowledgement

• I understand program requirements may change over time and may differ from information shared by former Habitat participants, family members, friends or community referrals.
• I have reviewed the current program requirements and believe my household may be a fit for the Habitat Charlotte Region Homebuyer Program.