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welcome home!

Hi neighbor! If you are here looking to learn how to become a homeowner through Habitat Charlotte Region’s homeownership program, you are in the right place. Every day we partner with hard-working families and individuals throughout the Charlotte region to build comfortable, high-quality homes with affordable mortgages – a much better solution than paying more to rent a whole lot less!

program overview & requirements

Habitat Charlotte Region works with you to build a home with a mortgage that you can afford. Once your application has been reviewed and you have qualified for the program you become part of our family as a Habitat Homeowner-in-Process (HIP).

While we work together to build your home, you will attend 16 weeks of HIP classes. At these classes you will learn about personal financial management and acquire skills to maintain your new home. Our goal is to make you a successful homeowner!

In addition to HIP classes, you and your family are required to fulfill 300 Sweat Equity Hours. You will work side by side with Habitat staff, volunteers and other HIPs to work on your house, or volunteer with Habitat in other ways.Upon completion of HIP classes and fulfillment of your Sweat Equity requirements, we will work with you on closing, resulting in an affordable mortgage on a new home that you now own.

how to get started

To start the homeownership process, you must complete an online application during an open application period.

next application period

The online application period is closed. Click “Before You Apply” below to learn more about everything you’ll need to apply and to sign up for an email reminder of the next application period.

before you apply...

qualifications

Need for Housing
  • Living in overcrowded housing
  • Living in substandard housing
  • Being a resident of public housing
  • Paying more than 30% of gross income on rent
  • Does not own a home at time of application
  • Unable to qualify for a conventional mortgage 
Willingness to Partner
  • Household willing to perform minimum of 300 Sweat Equity hours
  • Have lived or worked in Charlotte, Pineville, Mooresville, Troutman, Cornelius, Davidson, Huntersville or Statesville for the last year
  • Committed to a drug-free community and no serious criminal history
  • Applicants must be legal U.S. residents
Ability to Pay

Income
Must be stable and fall between 30-80%* of HUD Area Median Income.
*Opportunities may be limited based on availability in the 60-80% range

Budget
Mortgage payments will be no more than 30% of the gross monthly income of the applicant(s). Applicant(s) will only be approved if the lowest monthly Habitat mortgage payment for their family size and total monthly debt expenses combined is less than 40% of their gross monthly income (debt-to-income ratio).

Delinquent Debt
No more than $1,200 delinquent debt at the time of application and all delinquent debt must be paid off before application approval.

Medical Debt
No more than $10,000 in medical collections.

Outstanding Debt
No more than $1,000 in outstanding debt at the time of application, excluding student loan or automobile loan debt.

Bankruptcy
Must wait two years after being discharged and reestablishing good credit to apply.

Application Steps

  1. 1 Complete Online Application**
  2. 2 Income & Credit Report
  3. 3 Orientation Session
  4. 4 Complete Documentation
  5. 5 Background Check
  6. 6 Pre-Approval

Step 01

Complete Online Application**

Please review all of the necessary requirements outlined on the Before You Apply page in order to complete your online application.

**Applications are ONLY available online and during advertised dates of open application cycles.

Note: Veterans of the U.S. Armed Forces are able to request and submit an application outside of the open application period. To do so, please email applications@habitatcharlotte.org. To learn more, please visit our Veterans Services page.

Step 02

Income & Credit Report

Habitat Charlotte Region calculates your income and pulls a credit report. If income and credit meet our requirements, you will be invited to participate in step 3.

Step 03

Orientation Session

Applicants that meet the initial criteria will be invited to attend a mandatory 1-hour orientation session and will receive a documentation packet required to move forward in the process.

Step 04

Complete Documentation

Submit all items requested in the documentation packet by the deadline provided.

Step 05

Background Check

Your criminal background, employment history and rental history are verified.

Step 06

Pre-Approval

Pre-approved applicants begin Homeowner-In-Process training, which includes attending mandatory homeownership classes and completing the required number of Sweat Equity hours.