1.  in need of better housing                             Potential homebuyers might be dealing with poorly made, unhealthy,  inadequate housing, unaffordable rent, home inaccessible for their disabilities or damaged by a natural disaster: or have other shelter needs.

2.  willing to partner with Habitat                     Habitat home-buyers put in hundreds of hours of “sweat equity” helping build their own home and the homes of others in the program. This might include classes in personal finances, home maintenance, and other homeownership topics

3.  able to pay an affordable mortgage
Habitat offers home-buyers an affordable mortgage. Their mortgage payments  cycle back into the community to help build more affordable homes.

Homeowner Partner Families are selected based on the following:

  • Condition of current housing, homelessness or overcrowding
    • Those who are most in need are selected first.
  • Applicant must be low income and meet our financial guidelines
    • The applicant must not be eligible for conventional home financing through a bank.
    • Family income must still be within Habitat guidelines at time of construction.
  • Ability to make a monthly, no-interest mortgage payment
    • Person who signs the mortgage must have a stable income from any source.
    • In addition, you will be required to save  in your escrow account to pre-pay your first year of homeowner’s insurance.
  • Consideration of credit rating
  • Willingness and ability to complete  sweat equity” hours working on your home and other Habitat projects
    • 150 of those hours must be completed before the start of the project.
  • Must be willing to live in either Onslow or Carteret Counties

The home you are applying for, if you are selected, will be:

  • A simple, basic structure with no “frills”
  • Built with money and labor donated by people
    who are concerned about the way their neighbors live
  • Built when land and materials become available
  • Built with the help of you, your family, friends, and volunteers


Critical Home Repairs is a program offered to low-income, disabled, Veterans, and single-parent families in need of assistance to live independently, safely, and in their current home.

Describe on the form the type of work you would like done on your home.  Remember the items listed below will be considered for repair.

Funds are limited, and the most urgent repairs have priority.