Home

Homeownership Opportunities

Every day, Habitat Charlotte Region partners with qualified families and individuals like you to build comfortable, high-quality homes with affordable mortgages.

Making Affordable Homeownership a Reality

In the difficult market environment with rising interest rates and down payment requirements, affordable homeownership feels like nothing more than a dream. That’s where Habitat Charlotte Region comes in.

Benefits of working with us:

Below market rate interest
Affordable monthly mortgage payments
Financial literacy education

Habitat for Humanity of the Charlotte Region is an Equal Opportunity Housing Agency and an Equal Opportunity, Affirmative Action Employer.

How the Program Works

Habitat Charlotte Region’s Homebuyer program begins with Pathways and Partners. We recognize that the path to homeownership is filled with challenges. That’s why we’ve crafted Pathways & Partners, a program designed to provide families with the knowledge and support they need to become mortgage ready.

After completing your pathway:

You’ll receive an invitation to apply
Complete the application
Look out for an email from the Habitat Charlotte Region team

Once you’re pre-approved for our program, you will meet with Support Staff to continue your path to homeownership, which includes:

Completing additional education classes
Participating in the construction of homes and community engagement activities
Committing to your home and maintaining a positive financial situation

Learn more about Pathways and Partners

About Our Homes

Habitat Charlotte Region believes that everyone deserves a safe, affordable place to live, and this is reflected in thoughtful design, craftsmanship and expertise that we put into our house plans and the construction of or repairs to future homes.

Currently, Habitat Charlotte Region offers newly constructed single-family detached homes, Next Generation Homes (homes purchased, rehabbed and resold as Habitat homes), and new single-family attached homes including townhomes and duets.

Learn More about Our Homes

Frequently Asked Questions

Depending on your determined Pathway, the timing can vary. Most participants complete their homeownership journey with Habitat Charlotte Region in 2 years.

If applicants do not meet our criteria for homeownership, and are not selected into the program, they will receive a letter with a description of the reason and a list of HUD approved Financial Counselors or a referral to another qualified organization. Applicants who have been declined are invited to re-enter the Pathways and Partners program for assistance.

Yes! We need program participants to have a valid and active email address in order to complete the Pathways and Partners registration process and upon completion, receive a link to apply. If you do not have an active and valid email address and need assistance, we encourage you to contact a digital navigator by calling 3-1-1.

We evaluate each of our applicants and household members who are 16 years or older on a case-by-case basis. We utilize a score card and only in instances where someone is permanently registered as a sex offender, we would decline someone solely based on criminal history. In all other instances, we evaluate each person’s history and its impact on our business model.

Approved applicants for our Homebuyer program must have Legal residence in the U.S. proven by a Permanent Resident Card, Naturalization Document or Birth Certificate or are a natural born citizen. However, anyone can participate in the Pathways and Partners program.

Absolutely. For questions or concerns regarding the application process, please email hbapplications@habitatCLTregion.org.