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