| Homeowner Partner Families are selected based on the following:
- Condition of current housing
- Those who are most in need are selected first.
- Applicant must be low income and meet
our financial guidelines
- The applicant must not be eligible for conventional home
financing through a bank. family income must still be within
Habitat guidelines at time of construction.
- Ability to make a monthly, no-interest
mortgage payment
- Person who signs the mortgage must have a stable income
from any source. In addition, you will be required to make
an $800 down-payment towards closing costs and your first
year of homeowner's insurance.
- Consideration of credit rating
- Willingness and ability to complete
400 hours of "sweat equity" working on your home and other Habitat
projects
- 150 of those hours must be completed before your house is
begun.
- Must have been a resident of Carteret
County or Havelock for at least a year
The home you are applying for, if you are selected, will be:
- A simple, basic structure with no "frills"
- Built with money and labor donated by people
who are concerned about the way their neighbors live
- Built when land and materials become available
- Built with the help of you, your family and friends
 Download
a Printable Home Owners Application Here
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