Our Homeowners

Sandhills Habitat works with people making between 30% and 80% of the Area Median Income to build and purchase a home with an affordable mortgage. These homebuyers come from many different walks of life, but they share the dream of owning a home.   We partner with homebuyers based on financial qualifications and do not discriminate based on an applicant’s race, color, sex, sexual orientation, national origin, age, religion or handicap.

 

We understand that the journey to owning a home can be overwhelming. 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 an in-depth process that requires hard work, time, and dedication. 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!

Applications will be open from August 1st through August 12th, 2024.
All applications must be submitted by 6 pm on August 12th, 2024.

Do you have the qualifications to become a Habitat Homeowner?

Bee Ready Homebuyer

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

Must Live or 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 30-80% of HUD’s area median income (see table).

Eligibility Requirements

  • Satisfactory housing expense and debt-to-income ratio; max of 10% DTI (monthly debt divided by monthly income)
  • Verification of earned income
  • 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 before applying
  • Ability to save $2000 for a down payment
  • Proof of their ability to live financially independent for 18 months before applying
  • Applicants must not be a registered sex offender and will be subject to a criminal background check.

Willingness to Partner with Habitat

  • Participate in mandatory monthly Homebuyer education classes.
  • Be honest and cooperative with Habitat for Humanity of the NC Sandhills.
  • Willing to complete a minimum of 200 sweat equity hours per adult (18 years or older) and 60 hours per teen (16-17 years of age)
  • Willing to complete a minimum of 10 sweat equity hours per month
  • Participate in a Homebuyer Education class and complete two hours of one-on-one financial counseling.

Required Documentation for Submitting a Completed Application

You must bring all of the documents listed below with your completed application to the second session:
List of Documents:

FOR EVERY ADULT IN THE HOUSEHOLD

  • 2023 taxes (pages 1-4 of the actual tax documents)
  • 2023 W-2
  • SSI Award letter (if applicable)
  • Disability award letter (if applicable)
  • Court-ordered child Support Letter and 13-month payment history (if applicable)
  • June & July pay stubs
  • Alimony letter from the court (if applicable)
  • June & July bank statements – including all checking and savings accounts (actual statements, no screenshots)
  • Social Security card for applicant(s)
  • Copy of current lease and July utilities bill (electric, water, gas)

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