Homeownership Overview

Sandhills Habitat works with people making between 30% and 80% of the Area Median Income, the middle point in the range of all incomes, to build and purchase homes with affordable mortgages. These homebuyers come from diverse backgrounds but share a common dream of owning a home.   We partner with homebuyers based on their financial qualifications and do not discriminate against applicants based on their race, color, sex, sexual orientation, national origin, age, religion, or disability. We understand that the journey to owning a home can be a daunting and overwhelming experience. That's why we're here to guide you through the process - from learning about personal finances, mortgages, maintenance, and much more. Our path to homeownership is a comprehensive process that requires dedication, hard work, and time. But don't worry; we'll be with you every step of the way to ensure that you're fully prepared for the responsibilities of homeownership. Let's work together to make your dream of owning a home a reality!

The Homebuyer Portal is Now Open

Our Session will be open from now until August 16, 2026.

 

Please Read Before Applying 

Habitat for Humanity of the NC Sandhills serves only Moore, Hoke, and Richmond Counties in North Carolina.

If you do not currently live or work in one of these counties, please do not submit an application. Every application requires valuable staff time and nonprofit resources to review, even when the applicant is not eligible.

If you live outside our service area, we encourage you to contact your local Habitat for Humanity affiliate to learn about homeownership opportunities in your community.

Thank you for helping us ensure our limited resources remain focused on serving families in Moore, Hoke, and Richmond Counties.

Qualifications

To be considered for a Habitat home, families must demonstrate a need for affordable housing, be willing to partner with Habitat and be able to repay an affordable mortgage.  In addition, they must meet the following requirements:

  • US citizen or legal resident
  • Live or work in Moore, Richmond, or Hoke County for over 12 months.
  • A satisfactory credit history with no recent bankruptcy filings, unpaid collections, or judgments.
  • A debt-to-income ratio of 10% or less
  • Ability to save $2000 for closing costs
  • Proof of their ability to live financially independent for 12 months before applying
  • Must not be a registered sex offender and will be subject to a criminal background check.

An affordable mortgage does not exceed 30% of household income, including property taxes, insurance, and principal.

Eligibility Requirements

BUILDING HOPE. BUILDING LIVES. ONE FAMILY AT A TIME.