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Own a Habitat Home

THE APPLICATION PERIOD IS CLOSED. IT WILL OPEN SEPT. 1 - OCT 15. SEE BELOW FOR DETAILS ABOUT PAPERWORK NEEDED & WHERE CONSTRUCTION IS PLANNED.

Habitat Home Ownership

How can I qualify for Wayne County Habitat Home Ownership?

1) Complete the application and turn in all required documentation on time.*

2) Currently live or work in Wayne County for at least the last year (12 full months).

3) Have a housing need:

     a) Dilapidated/substandard housing

     b) Conditions pose a health/safety risk

     c) Overcrowded

     d) Government-subsidized housing

     e) Rent costs more than $30% gross income

4) Have the ability to pay:

     a) Meet income guidelines (40% - 80% median family income)**

     b) Have projected debt-to-income ratio under 38%

     c) Have stable income for last 24 months

     d) Have not declared bankruptcy in last 24 months

     e) Pay current rent/house payment on time

     f) Have less than $2,000 in outstanding collections/judgements

     g) Once in the program understand the need to notify staff immediately of any change in income

     h) Once in the program understand the need to not take on any additional debt

5) Be willing to partner on sweat equity hours:

     a) Minimum 300 volunteer hours for you and your household

          i) 50 hours in first 60 days

          ii) 15 hours per month thereafter - 7 on construction

          iii) Extended family and friends can help with a portion

     b) Be willing to work on construction & in the ReStore

     c) Be willing to attend financial literacy classes, home-buyer classes and practical skills workshops

 

* DOCUMENTATION NEEDED AT TIME OF APPLICATION
1) Fully completed application

2) Last two years of W2s and/or 1099s (2020 & 2021) of ALL income coming into the home for applicants & dependents

3) Last two years of tax returns (2020 & 2021) for applicants & dependents

     i) If self-employed, must show 24-month income track record

4) Last 30 days of pay stubs (1 if monthly, 2 if bi-weekly, 4 if weekly)

5) Paperwork verifying alternative sources for applicants & dependent, including, but not limited to:

    i) Social Security award letter

    ii) Disability award letter

    iii) Original court order for child support and/or alimony and payment documentation

    iv) Retirement documentation

6) If self-employed, year-to-date profit & loss report

7) Two months (60 days) of bank statements

8) Written explanation of any known outstanding collections or judgements

9) Student loan deferral verification (if applicable and only if deferred out further than three years)

10) Active duty or DD214 form (if applicable)

11) 12-month rental or landlord reference/letter of explanation

12) Copy of driver's license

13) Copy of legal resident status (if applicable)

 

** INCOME GUIDELINES
Family Size          Income Range (2022 adjusted limited via US Dept. of HUD)
1                         $18,320 - $36,650
2                         $20,933 - $41,850
3                         $23,533 - $47,100
4                         $26,133 - $52,300
5                         $28,266 - $56,500
6                         $30,333 - $60,700
7                         $32,466 - $64,900
8                         $34,533 - $69,050

Applications will be accepted between Sept. 1 and Oct. 15. All applications must be turned in by close of business on Oct. 15, 2022. All requested follow-up paperwork must be returned by Oct. 31, 2022. We will let you know within 15 days if you are eligible to continue the application process or if more information is needed. If you have questions, please email office@habitatgoldsboro.org or call 919-736-9592 x 2.

If you are unsure if you might qualify but are interested, please fill out the application and allow us to process it. We cannot speak to you regarding your specific circumstances, income levels or credit questions without an application. If you do not qualify, you will receive an "adverse action" letter explaining why and we will be happy to have a further conversation and offer suggestions about what steps to take next.

 

Curious where we will be building with our next round of homeowners?

Below are maps of two locations where we plan to build in FY23-24

Habitat for Humanity of Goldsboro-Wayne does not discriminate on any basis, including race, religion, sex, ethnicity, sexual orientation or family status.

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