Homeowner Partner Families are selected based on the following:

• Condition of current housing, homelessness or overcrowding
  • 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 save $1200 in your family escrow account to pre-pay your first year of homeowner’s insurance and any closing fees on your home.
• 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 the start of project.
• Must have been a resident of the Crystal Coast area for at least a year and be willing to live in either Onslow or Carteret County

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