Eligibility 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:

2. Ability to pay:

home buyer income guidelines 2018 3

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.

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)

habitat repairs income guidelines 2

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