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Do you qualify for a Habitat home?

Many people dream of home ownership. The positive impact of owning your own home is tremendous.  Finding affordable housing that is safe is a challenge for many families.  Haywood Habitat for Humanity’s mission is to provide decent shelter for God’s people in need. 
Our program is not a giveaway program. 
Each house we build is SOLD to our partners with a no interest mortgage.   Additionally, each family is required to invest 400 hours of “sweat equity” into the construction of their home.  We sell the house at our cost so that normal monthly payments are kept affordable.  This gives people an opportunity to be homeowner, usually for the first time.


Habitat Guidelines

Haywood Habitat for Humanity’s Board of Directors, based upon the recommendation of the Homeowner Selection Committee, chooses our Partner Families.  The decision is based on the following criteria:

-Residency: All applicants must be residents of North Carolina for a minimum of 12 months and living in Haywood County at date of application.

-Need:  Applicants must be unable to qualify for a conventional bank loan, and their current housing must be inadequate (unsafe, overcrowded, unsanitary, unaffordable, unsafe neighborhood, or inaccessible). As part of the application process, the Homeowner Selection Committee will conduct a home visit.

-Ability to pay:  Applicants must have a steady source of verifiable, legal income, and earn no more than 60% of the county’s median income.  The monthly mortgage payment cannot exceed 30% of the family’s gross income, so as to not overburden the family with a housing cost that exceeds their budget.

-Willingness to Partner:  Applicants approved for homes must invest 400 hours of “sweat equity” in the construction of their new home.  Applicants must also attend Habitat homeownership education classes and participate in Haywood Habitat events as requested.

Current Qualifying Income Guidelines

Family Size        Annual Income Range        Monthly Income Range
1                   $16,350-$30,500                        $1,363-$2,546
2                   $20,940-$34,900                        $1,745-$2,908
3                   $23,550-$39,250                        $1,963-$3,271
4                   $26,160-$43,600                        $2,180-$3,633
5                   $28,260-$47,100                        $2,355-$3,925
6                   $30,360-$50,600                        $2,530-$4,217
7                   $32,460-$54,100                        $2,705-$4,508
8                   $34,560-$57,600                        $2,880-$4,800


Application Process

Mandatory information sessions for applications due by February 28, 2015,  are scheduled as follows:

January 8, 2015 - 5:30 pm,  Long's Chapel United Methodist Church-The Venue, 133 Old Clyde Road, Waynesville, NC
January 11, 2015 - 2pm, Haywood County Public Library-Canton Branch-meeting room, 11 Pennsylvania Avenue, Canton, NC
January 24, 2015 - 1pm, Haywood County Public Library-Waynesville Branch-auditorium, 678 South Haywood Street, Waynesville, NC 
In case of inclement weather, the session will be cancelled if the event location is closed.  Every effort will be made to reschedule any cancelled sessions.

1. Attend a mandatory information session scheduled annually in January and July.
2. Submit an application with all required documentation.
3. Applications are reviewed by Habitat staff for the following at minimum: proof of income, credit status, criminal background check, and sexual offender registry check.
3. A home visit will be scheduled by the Family Selection Committee to meet your entire family.
4. Following the home visit, applicants are required to attend a Family Selection Committee meeting for a face-to-face interview.
5. The Board of Directors makes the final approval decision.
5. Begin the sweat equity process.

FAQ (Frequently Asked Questions)

-How much are the house payments?
Haywood Habitat houses cost  $85,000 - $88,000  (including land and materials)  With a 25-year zero-percent interest mortgage, monthly payments are approximately $500, including taxes and insurance.

-How big are Habitat Houses?
Haywood Habitat currently builds 3 and 4 bedroom houses that are 1000-1300 square feet.

-Where does Haywood Habitat build?
We build on purchased or donated land in the towns of Canton, Clyde, and Waynesville.  We build in existing neighborhoods, ideally with city water and sewer.  We do not build in rural areas of the county.

-What appliances come with the house?
Each house has a new refrigerator, range and dishwasher.  Washers and dryers are part of an option package that you may select when we begin construction of your home.

-What does “sweat equity” mean?
Unlike regular home mortgages, Habitat does not require a down payment to purchase a home.  Instead, each Partner Family must put 400 hours of labor into building their home and the houses of other Habitat partner families.

-How long does it take to get a house?
The application process is 4-6 months.  If you are approved for a house, it can take 1-2 years for the completion of your house.  This time frame varies depending on construction schedules and family participation.


fheo100

We Do Business in Accordance With the Federal Fair Housing Law
It is illegal to Discriminate Against Any Person Because of Race, Color, Religion, Sex, Handicap, Familial Status, or National Origin
Anyone who feels he or she has been discriminated against may file a compliant of housing discrimination:
1-800-669-9777 (Toll Free)
1-800-927-9275 (TTY)








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Home Ownership

(We need to have two links on this page: PDF to the brochure Shirley a Contact Us link to the fill out form requesting notification about the next application period)

 

Haywood Habitat for Humanity’s mission is to provide decent shelter for God’s people in need. Many people dream of home ownership and the positive impact of owning your own home is tremendous. Our program is not a giveaway program. Each house we build is SOLD to our partners with a no interest mortgage. This gives people an opportunity to be homeowners usually for the first time. Each family is required to pay 400 hours of “sweat equity” into the construction of their home. We sell the house at our cost so that normal monthly payments are kept affordable.

 

Habitat Guidelines or

 

Haywood Habitat for Humanity’s Board of Directors, based upon the recommendation of the Family Selection Committee, chooses our Partner Families. The decision is based on the following criteria:

 

-Residency: All applicants must be residents of North Carolina for a minimum of 12 months and currently living in Haywood County at application date.

 

-Need: Applicants must not be able to qualify for a conventional bank loan and their current housing must be inadequate (unsafe, overcrowded, unsanitary, unaffordable, unsafe neighborhood, or inaccessible). As part of the application process, the Family Selection Committee will do a home visit.

 

-Ability to pay: Applicants must have a steady source of legal income, and earn no more than 60% of the county’s median income. The monthly mortgage payment cannot exceed 25% of the family’s gross income, so as to not overburden the family with a housing cost that exceeds their budget.

 

-Willingness to Partner: Applicants approved for homes must invest 400 hours of “sweat equity” in the construction of their new home. Applicants must also attend Habitat homeownership education classes and participate in Haywood Habitat events as requested.

 

FAQ (Frequently Asked Questions)

 

-How much are the house payments?

Haywood Habitat houses cost approximately $75,000 (including land and materials) With a 25-year mortgage, monthly payments are approximately $425, including taxes and insurance.

 

-How big are Habitat Houses?

Haywood Habitat currently builds 2, 3 and 4 bedroom houses in the 1000-1300 square foot range.

 

 

-Where does Haywood Habitat build?

We build on purchased or donated land in the towns of Canton, Clyde, and Waynesville. We build in existing neighborhoods, ideally with city water and sewer. We do not build in rural areas of the county.

 

-What appliances come with the house?

Each house has a new refrigerator, range and dishwasher. Washers and dryers are part of an option package that you may select when we begin construction of your home.

 

-What does “sweat equity” mean?

Unlike regular home mortgages, Habitat does not require a down payment to purchase a home. Instead, each Partner Family must put 400 hours of their labor and time into building their home and the houses of other Habitat partner families.

 

-How long does it take to get a house?

The application process is 4-6 months. If you are approved for a house, it can take 1-2 years for the completion of your house. This time frame varies depending on construction schedules and family participation.

 

 

 

 

 

 

 

 

 




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