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.