2020 Homeownership Recruitment Session

Tuesday, October 20 & Thursday ,October 22, 2020
Must Register to Attend
See Below

Become a Habitat Home Owner

More than 250 local families have realized their dream of owning a safe,
decent and affordable home with Habitat’s homeownership program.

Required Documentation for Attending Seminar

You must bring all of the documents below to the second meetings:
List of documents:

  • 2019 taxes (pages 1-4)
  • 2019 W-2
  • SSI letter
  • Disability award letter
  • Court ordered Child Support
  • Current employer
  • One (1) month pay stubs
  • Alimony letter from court
  • Previous month’s bank statement
  • All Social Security cards for all family members
  • Year and make of car ( ex. 2014 Toyota)
  • You must give Sandhills Habitat permission to run your credit

Eligibility Requirements

Please read the requirements and make sure you MEET ALL of them before contacting our office.

Must Live/Work in County

  • The applicant must live or work in Moore, Richmond or Hoke County.

Need for Housing

  • Unsafe or very poor conditions or located in a particularly unsafe area; Rent, or contribution currently paid towards rent, exceeds 35% of net income
  • Size is inadequate for the present residents
  • Other facts demonstrating a need for the type of housing Habitat can provide, that goes beyond a personal desire to own a home

Have the Ability to Pay

  • Stable income for at least one year and the ability to make monthly mortgage payments, but too low to secure conventional financing
  • Income between 30-60% of HUD’s area median income (see table).
  • Verification of earned income with a most recent Federal Income Tax Return and verification of all other income
  • Satisfactory housing expense and debt to income ratio
  • Legal right to work in the United States
  • A satisfactory credit history reflecting acceptance of responsibility for debt. All collection accounts and financial judgments paid in full. No Chapter 7 bankruptcy within three years or Chapter 13 within 18 months prior to applying
  • Ability to save $1000 for down payment
  • Proof of their ability to live financially independent for 18 months before the application is approved
  • Applicants must not be a registered sex offender and will be subject to a criminal background check

Willingness to Partner with Habitat

  • Be honest and cooperative with Habitat for Humanity of the NC Sandhills
  • Willing to complete a minimum of 300 “sweat equity” hours per adult (18 years or older) and 60 hours per teen (16-17 years of age)
    Participate in 15 Homebuyer Education Program Workshops

If you meet all of the requirements listed, please fill out the following contact form with your information. Space is limited and reservations will be closed on October 1, 2020.
We don’t make appointments for applications anymore.