Qualifications

Homeownership Program Requirements

There are only three requirements you must meet to be potentially eligible for our programs:

1. The need for a decent, affordable home, including but not limited to:

  • Substandard housing
  • Overcrowding
  • Living in temporary housing
  • Unsafe conditions in home or in area
  • Currently paying an unaffordable amount for housing

2. Ability to pay:

 qualifications table1

  • Be a legal resident of Catawba County OR be employed in Catawba County for the 12 months just prior to acceptance
  • Stable income within the income limits based on household size
  • Reasonable credit history and debt load

3. The willingness to partner with Habitat

  • Complete a set number of sweat equity hours
  • Pay the down payment prior to closing (monthly installment payments are acceptable)
  • Attend homebuyer education courses
  • Submit a monthly budget
  • Help with construction on your and others’ Habitat homes
  • Attend meetings
  • Meet deadlines
  • Notify Habitat of any changes to the information you have given

Take Your First Step Toward Homeownership

Plan to attend the next Applicant Information Meeting (AIM). Call (828) 328-4663 ext. 310 for information on the next scheduled meeting date.

Home Repair Program Requirements

Need

Homeowners that are most in need and cannot otherwise afford repairs.

Income to Qualify

  • No minimum income requirement as long as willing to make 2 modest payments based on homeowner income.
  • For maximum household income see the chart below. (Call for larger households)

table21

Property Requirements

  • Must be in Catawba County
  • Must generally be owner occupied
  • Must be owned by current owner at least 1 year
  • Must not be in jeopardy of foreclosure
  • When owner holds the title (not rent to own) on a mobile or manufactured home, limited repairs may be considered

Repair Services may include but not limited to:

  • Roof repair or replacement
  • HVAC work
  • Modifications for accessibility
  • Exterior painting/staining
  • Weatherization
  • Decks steps and rails
  • Limited plumbing
  • Limited electrical
  • Other repairs similar to those above, particularly urgent (not emergency) repairs and necessary external improvements