Critical Home Repair

keeping our neighbors safe at home

In addition to our homeownership program, Habitat Charlotte Region partners with existing homeowners whose homes require major safety and structural repairs. Due to the age of the housing stock, many Charlotte-area owner-occupied homes are in of need significant repairs. In many cases, owners are seniors living on fixed incomes who cannot afford to fix their homes and are in jeopardy of being displaced.

Our Critical Home Repair program provides comprehensive repairs designed to eradicate problems and extend the functional life of the home. In addition, it allows the owners to age in place in the safety and security of their own home.

Qualifying repairs

What CHR addresses:

Critical Home Repair addresses repairs where the owner’s health and safety may be at risk. This includes, but is not limited to:

  • Unsafe roofing or flooring
  • Lack of heat
  • Electrical hazards
  • Plumbing hazards
What CHR does not address:
  • Painting and aesthetic updates
  • Replacing carpeting or flooring (unless for structural reasons)
  • Window replacement (unless current windows are rotted or contain lead)
  • Bathroom or kitchen renovations or remodels (unless for accessibility issues or as needed following plumbing repairs)

ready to apply?

If you have questions, please email applications@habitatCLTregion.org or leave a message on the Critical Home Repair Hotline at 704.716.5639.

get started

Application Steps

  1. 1 Initial Criteria Review
  2. 2 Application
  3. 3 Submit Application
  4. 4 Pre-Qualification

Step 01

Initial Criteria Review

To qualify for Critical Home Repair, the following criteria must be met:

  1. Single-family, detached home OR manufactured home affixed to permanent location
  2. Owner-occupied for at least three (3) years
  3. Home must be located in Charlotte, Pineville, Mooresville, Troutman, Cornelius, Davidson, Huntersville or Statesville.
  4. Willingness to partner (completion of Sweat Equity Hours)

Income of homeowner(s) must fall at or below 80% of HUD median income to be approved. Find out where you fall on the HUD median income scale. 

Step 02

Application

If you meet the Critical Home Repair criteria, complete this form or call 704.716.5639 to request an application.

You can also complete this form to recommend a family member or friend who would be a good fit for the Critical Home Repair program.

Step 03

Submit Application

Submit your completed application, along with all requested documentation, by the application deadline given to you.

Step 04

Pre-Qualification

If pre-qualified, you will be notified and required to submit additional documentation as requested.

questions

The typical time from submitting an application to completion of repairs is typically one year.

Repayment is determined by your HUD income level. In some cases, Habitat Charlotte Region can offer to finance the discounted amount with an interest-free mortgage to be paid over five years.

Critical Home Repair homeowners are required to complete 75 community service hours, but all of those hours do not have to be completed with Habitat Charlotte Region. CHR homeowners are not required to work on their own home.

Yes, you can! To refer someone, please fill out the Critical Home Repair application request form and we’ll reach out to them. The form includes a space for your contact information should we need to contact you with any additional questions.

CHR Referral