A better future starts with a home.
A decent home provides the foundation for health, independence, and opportunity, offering the space and security needed to build the life we choose on our own terms—whether that's nurturing a family, achieving financial independence, or creating a strong sense of community. With a stable home and fixed address, residents have access to better health care, education, employment opportunities, and community services. When people thrive, so does our economy. Decent homes mean people can stay safe and healthy, participate in the workforce, and gain independence, reducing long-term reliance on public and community services. Every safe, affordable home sparks wider change, transforming lives and building stronger communities everywhere.
Your Path to Homeownership: Building Together.
At Habitat for Humanity, we believe everyone deserves a decent, affordable place to live. We build decent, energy-efficient, affordable homes in Lee County, fostering a foundation for healthy and thriving lives. To be considered for a Habitat home, individuals and families must demonstrate a need for affordable housing, be willing to participate in building their home alongside volunteers, and have the ability to repay an affordable mortgage.
In addition, they must meet the following requirements:
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US citizen or legal resident
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Resident of Lee County for over 12 months
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Must occupy the Habitat home as your primary residence
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Ability to save funds for closing costs
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Prepared to become a homeowner
An affordable mortgage is one that does not exceed 30% of household income including property taxes, hazard insurance, principal, and utilities. Habitat does not require a down payment but does require homeowners to save for closing costs. Your debt-to-income ratio cannot exceed 13%. Habitat also provides guidance and resources to help you build financial independence, including support to pay off debt and save for closing costs.
Income Guidelines
Household Size | Minimum Income | Maximum Income |
|---|---|---|
1 | 20,700 | 41,300 |
2 | 23,700 | 47,200 |
3 | 26,600 | 53,200 |
4 | 29,600 | 59,000 |
5 | 31,900 | 63,800 |
6 | 34,300 | 68,500 |
7 | 36,600 | 73,300 |
8 | 39,000 | 78,000 |
Required Documentation:
The following documentation is required from all household members, regardless if they are applying for the mortgage. A household member is any person that resides full-time or part-time at the property, has possessions at the property, uses the property address for mail, or pays a portion of the expenses for the property. Every member of the household must be counted regardless of income or marital status.
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Copies of all household members social security cards
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Copies of all adult household members drivers license
In addition to the above documents, the following will be required from all household members:
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Last two years of income tax returns including W-2's.
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Proof of income for past three months.
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Verification of all other income including Social Security, pensions, etc.
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Last three months of bank statements for checking and savings accounts.
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Copy of vehicle insurance declarations page.
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Copies of monthly bills including utilities, insurance, car payments, credit cards, etc.
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Copy of current lease agreement and proof of the last 3 months of payments.
All judgments, liens, or collections must be satisfied prior to closing. Additional documentation may be required. This information provides a general overview of qualifications for individuals and families seeking a Habitat home and may be subject to change. If you are interested in learning more, email director@habitatsanfordnc.org.
