Getting Started

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Think it’s impossible to purchase a home of your own? Think again.

You may be eligible for a 0% interest loan to purchase your own energy-efficient and easy-to-maintain Habitat home. Take these steps:

  1. If you think you meet Habitat’s purchasing requirements please complete and return this prescreening application.
  2. Learn more about owning a Habitat home. Read about all the advantages of purchasing a home through Habitat and check out the frequently asked questions to get details about the homes we build and the process.
  3. If you have additional questions about applying for a home, please contact Ramona at 336-232-0147.

Habitat’s purchasing requirements

You meet the requirements if you can say “yes” to all of the following statements:

  • I live and/or work in Guilford County.
  • I have a job history of one year and have worked in my current job for at least six months and/or receive other sources of income such government benefits, a Pension or Disability benefits.
  • My current home or apartment has been in my name for at least one year.
  • I do not qualify for a conventional loan.
  • I agree to have a credit check.
  • I will allow a background check and a home visit.
  • I agree to complete 300 hours of Sweat Equity to build my home and/or the homes of other Habitat owners.
  •  My annual income meets Habitat’s current standards as shown below:

    Family Size

    Family Income for 2014*

    You

    $20,840 - $28,950

    You + 1

    $20,840 - $33,075

    You + 2

    $20,840 - $37,200

    You + 3

    $20,840  - $41,325

    You + 4

    $20,840 - $44,700

    You + 5

    $20,840 - $48,000

    You + 6

    $20,840  - $51,300

    You + 7

    $21,840 - $54,600

* Note: Income standards change on an annual basis as determined by HUD and will be updated as soon as the new information becomes available.

 

Why partner with Habitat to purchase a home?

  • We offer 0% financing. You pay no interest on your mortgage loan.
  • You pay no down payment on your Habitat home. You do pay closing costs associated with purchasing a home.
  • All mortgage payments are based on your monthly income. Your payment also includes taxes and insurance, which helps you meet your obligations and minimize surprise expenses.
  • Our homeowner’s classes help you learn how to afford the costs of owning your own home and how to maintain it.