Homeownership Process

Be a Homeowner. Build with Habitat.

Becoming a homeowner is a dream shared by people everywhere! It is the opportunity to turn rent payments into home equity. It is a chance to have a home where the paint is fresh, the plumbing works, and there is enough room for everyone. It is an opportunity that Habitat for Humanity of Catawba Valley wants to put within your reach.

Habitat builds simple, decent, and energy-efficient 2, 3,and 4-bedroom houses that are sold to partner families at no profit, through an affordable loan. House payments vary by house size (determined by family size), length of mortgage, and family income. The monthly payment will not exceed 30% of the family's monthly gross income and currently averages $450 per month. Mortgage payments are recycled back into our building program to build more houses.

Take a Step Toward Homeownership
View Eligibility Requirements
Attend an Applicant Information Meeting (AIM)

Application Process

Part 1: Attend an Applicant Information Meeting (AIM)

Part 2: Submit your application to the Habitat Homeownership Program
Part 3: Home visit
Part 4: Committee decision
Part 5: Board of Directors’ approval


Step 1: Partnership Agreement

Step 2: Sweat equity

Step 3: Down payment
Step 4: Homeowner-in-progress classes

Step 5: Budgeting

Step 6: Construction on others’ homes first then YOUR home
Step 7: Loan application

Step 8: Dedication of home

Step 9: Closing